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Full text of "Public documents of the legislature of Connecticut, ... session .."

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^Sfate of ® a n n e c f i c it f . 

r ^ 

TENTH ' 

ANNUAL REPORT 



Insurance Commissioner 



cnxnti Itssemblg of t|« State, 

May ^Session. A. D. 1875. 



PART FIRST. 



FIJI FIRE AND MARINE COMPANIES, 



Press of The Norwich Printing Co. 
1875. 



Digitized by the Internet Archive 

in 2012 with funding from 

LYRASIS Members and Sloan Foundation 



http://archive.org/details/publicdoc52conn 



J&iate of ©onnecficuf. 



TENTH ANNUAL REPORT 



INSURANCE COMMISSIONER. 



F-A.E.T FIRST. 

FIRE AND FIRE AND MARINE COMPANIES, 



To the General Assembly of the /State of Connecticut: 

The undersigned, Insurance Commissioner, respectfully reports 
" his official acts," since his appointment on the 28th day of July last, 
and submits the following annual statements of the condition of all 
the insurance companies chartered by or doing business in this State 
on the 31st day of December, 1874. 

It was the practice of my predecessor to submit his report in two 
parts — the First Part containing a report of the Fire and Fire and 
Marine, and the Second Part that of the Life and Accident, Compa- 
nies chartered by or doing business in the State. The annual state- 
ments of the Fire and Fire and Marine Companies are required by law 
to be deposited in this office " in the month of January," and such is 
the nature of their business, and the method of keeping their accounts, 
that they have no difficulty in complying with this provision of the 
law. Those of the Life and Accident Companies must be rendered 
u on or before the first day of March in each year," which is, from 
the nature of their business, and the minute and lengthy process of 
valuing their policies to ascertain their liabilities, as short a time as 
they ought to be required to report in after gathering up their busi- 
ness on " the preceding thirty-first day of December." For obvious 



4 REPORT OF THE INSURANCE COMMISSIONER. 

reasons^ therefore, the Fire and Fire and Marine report can be first 
prepared and earliest Bubmitted to the Legislature. Besides, there is 
a demand for a much larger number of Part First of the report 
than of Part Second, and it would be economy to submit it sepa- 
rately even if both parts could be presented together. 

I shall, therefore, continue the practice of my predecessor, and in 
accordance with it now proceed to present Part First of the report 
from this office, containing the substance of the annual statements of 
all the Fire and Fire and Marine Insurance Companies chartered by 
or doing business in this State at the close of the year 1S74. 



FIRE AND EIRE AND MARINE 
INSURANCE COMPANIES OF THIS STATE. 



ABSTRACTS COMPILED FROM THEIR ANNUAL STATE* 

MENTS, SHOWING THEIR CONDITION ON THE 

3 1st DAY OF DECEMBER, 1874. 



iETNA INSURANCE COMFANY. 

Hartford, Conn. 

Commenced Business August 19, 1310. 

Lucius J. Hendee, President. Jotham Goodnow, Secretary. 



I. CAPITAL. 
Capital actually paid up in cash, ,.., 83.000,000 00 

II. ASSETS. 
Real Estate owned by the Company unencumbered : — 

In Hartford Conn., $225,000 

In Cincinnati, O., 6.5,000 

In Indianapolis. la 05,000 

In Louisville, Ky., 10,000 $365,000 00 

Loans on bond and mortgage, (first liens) 82,250 00 

Interest accrued on bond and mortgage loans, 2,024 58 

Value of the land mortgaged, $88,000 00 

Buildings (insured for $37, 500) 83,000 00 

HI 71, 000 00 

* Stocks and Bonds owned by tlie Company. 

Par Valne. Market Value. 

U. S. and State Stocks : — 

United States 5-20's, 6 per a, $300,000 00 $351,380 00 

U. S. Currency Bonds, 6 per c...... 100,000 00 117,750 00 

Connecticut, 6 per c 98,000 00 99,960 00 

Bhode Island, 6 per c, 89,000 00 90,780 00 

Indiana, 8 per c. 50,000 00 51,500 00 

Michigan, 6 per c, 16,000 00 16,320 00 

Tennessee, 6 per c, 31,000 00 17,980 00 

Alabama, 8perc, 10,000 00 5,000 00 

South Carolina, 6 per c, 20,000 00 6,000 00 

New Hampshire, 6 per c, 50,000 00 50,000 00 

Canada Dominion, 6 per c 5,070 69 5,070 69 



FIRE AND FIRE AND MARINE INSURANCE 



Par Value. Market Value. 
Municipal Bonds: — 

Buffalo City Water. 7 per c, $50,000 00 $50,000 00 

Toledo City, 8 per a, 5,000 00 5,000 00 

New Brunswick, (N. J.) City, 7 p. c, 40,000 00 38,400 00 

Detroit City, 7 pore, 80,000 00 30.0< 

Brooklyn City Water, (J per c, 25,000 00 25,000 00 

Jersey City Water, G per c, 50,000 00 15,000 00 

Hartford City, G per c, 152,000 00 148,960 00 

Hartford Town, G per c, 50,000 00 56,000 00 

Hartford Town, 6 per c, 10,000 00 10,000 00 

Boston City, G per c, , 50,000 00 50,000 00 

Cleveland City, 7 per c. , 80, 000 00 80, 000 00 

" Gperc, 20,000 00 1'.'. 200 00 

Indianapolis City, 7 3-10 per c...... 50,000 00 50,000 00 

Newark, (N. J.) City, 7 per c, 50,000 00 51,000 00 

Ironton, (O.) City, 7 per c, 10,000 00 10,000 00 

New York City, G per c, 75,000 00 75,000 00 

Minneapolis City, 10 per c 5,000 00 5,000 00 

Chicago City, 7 per c, 50,000 00 50,000 00 

West Mid. Bsh. Disk, Hart,, 7 p. c, 30,000 00 30.000 00 

Railroad Bonds : — 

Hartford, Prov, &Fish., 7 per a, . 33,000 00 32,010 00 

Michigan Central, 7 per c, 50,000 00 50,500 00 

Cleve., Painsville & Ash.. 7 per c, 100.000 00 100,000 00 

Cleveland & Toledo, 7 per c, 85,000 00 89,250 00 

Cleveland & Pittsburgh' 7 per c.,. . 50,000 00 50,500 00 

Clev., Col., Cin. & Ind, 7 per c 25,000 00 2G,250 00 

Chicago & Northwestern, 7 per c.,. 50,000 00 50,000 00 

Lake Shore & Mich. South. 7 p. c, 12,000 00 12, GOO 00 

Keokuk & DesMoines, 7 per c, 32,000 00 25, GOO 00 

" " 8perc....... 4,400 00 3,520 00 

Mich. S. & N. Ind., 7 per c 25,000 00 2G,250 00 

" " 7perc 75,000 00 75,750 0() 

Pitts., Ft. Wayne & Chi., 7 per c, 30,000 00 33,000 00 

" " " 7perc, 50,000 00 52,500 00 

Buffalo, N. Y. & Erie, 7 perc...... 75,000 00 G4.0G0 00 

New York Central, G per c, 75,000 00 73,500 00 

Little Miaina, G per c, 72,000 00 72,000 00 

N. J. E. R & Trans. Co., G per c, 50,000 00 60,000 00 

Columbus & Xenia, 7 perc, 50,000 00 47,000 00 

Cin., Hamilton & Day'n, 7 per c, . 50,000 00 50,000 00 

Indianapolis & Cin., 7 perc, 25,000 00 21,500 00 

Chicago, Burl. & Quincy, 8 perc,. 30.000 00 34,200 00 

Lake Shore, 7 perc, 10,000 00 10,000 00 

Morris & Essex, 7 per c, 25,000 00 26,000 00 

Harlem Biv. & Pt. Chest., 7 perc, 100,000 00 100,000 00 

N. Y. Cen. & Hudson Riv., 7 per c, 100,000 00 115,000 00 

Joliet & Chicago, 8 per c, 18,000 on L9,260 00 

Dayton & Western, G per c, 20,000 00 18,000 00 

Albany & Susquehanna, 7 per c 50,000 00 51,500 00 



COMPANIES OF THE STATE OF CONNECTICUT. 

Fur \ Market Valne. 

Railroad Stocks: — 

New York, New Haven & Hartford, $100, 000 00 $132,000 00 

Connecticut River 15,000 00 20,250 00 

Lake Shore & Mich. Southern 90,000 00 72,900 00 

Pittsburgh. Ft. Wayne & Chicago,. 75,000 00 70,500 00 

Michigan Central, 62,400 00 51,108 00 

Central Ohio, 7,200 00 3,240 00 

Morris & Essex 50,000 00 48,000 00 

Dubuque & Sioux City, 25,000 15,000 00 

Joliet & Chicago, 10,000 00 9,800 00 

Albany & Susquehanna, 50, 000. 00 4G, 500 00 

Cleveland & Pittsburgh, 50,000 00 44,000 00 

New York Central & Hudson Elver, 00,000 00 60,000 00 

Keokuk & DeMoines preferred 20.400 00 9,240 00 

" " common 20.000 00 1,000 00 

Bank Stocks : — 

New Britain National, N. Britain, . 10,000 00 12,000 00 

Nut, Bank of Missouri, St. Louis, . . 20,000 00 14,400 00 

Merchants National, " ... 5,000 00 4,000 00 

Merchants, " ... 5,000 00 1,500 00 

Mechanics, " ... 20,000 00 18,400 00 

Farmers & Mech. National, Phila., 22.000 00 27,940 00 

Hartford National, Hartford, 80,000 CO 124,800 00 

Farmers and Mech's Nat., " 00,000 00 79,200 00 

Phcenix National, •' (50,000 00 96,000 00 

State. " 25.000 00 30,000 00 

Conn. River Banking Co., " 7,500 00 9,000 00 

^tna National, " 20,000 00 25,000 00 

American National, " 10,000 00 14,000 00 

City National, '• 29,000 00 21,400 00 

First National, " 20.000 00 27,000 00 

Charter Oak National, " 30,000 00 39,000 00 

National Exchange, il 25.000 00 31.250 00 

American Exc'ge Nat,, N. Y. City, 40,000 00 45,200 00 

Nat, Butchers & Drovers. " 20.000 00 27,000 00 

Hanover National, " 10,000 00 9,800 00 

National City, " 10,000 00 30,000 00 

National Bank of Commerce, " 60,000 00 70.800 00 

Nat, Bk. of the Common with," 10,000 00 500 00 

Importers & Traders Nat,, " 30,000 00 57,000 00 

Market National, " 20,000 00 24,000 00 

Mechanics National, " 30,000 00 40,500 00 

Merchants Exchange Nat, , " 8.030 00 8,000 00 

Metropolitan National, " 50,000 00 68,000 00 

Merchants National, " 50,000 00 58,500 00 

Bank of the Manhattan Co., <c 20,000 00 30,000 00 

Nassau, « 20,000 00 21,000 00 

North River, " 10. 000 00 9.000 00 

Bank of N. Y., (National,) " 40,000 00 50.000 00 

Nat, Bk. of North America, " 20,000 00 19.000 00 

2 



LO I'lKi: AN!) FIKK AM) MAIUNK CN8UUANOK 

Par \ Ma. 

B'k of the Repubii "■ 00 

Ooean National, " »0 00 1,000 00 

Peoj. " 10,000 00 1 t,500 00 

ix, '• 00 

I'!.; • i National, " 20,( 27,000 00 

- : — 

Atlantic Dock, 7 per o 25,000 00 100 OQ 

Atlantic Mat. Ins. Co. 'b Scrip, 13,980 00 30 00 

Connecticut River Co., .',.000 00 1,000 00 

X. Y. Life Ins. & Trust Co.. 15,000 00 I 3,750 00 

Union Trust Co.. X. Y. City,... '.... 10,000 00 12,500 00 



Total $4,055,950 69 $4,937,768 00 $4,937,768 00 

Loans on Collateral, 

Par Market Amount 

Value. I. - 

Charter Oak Xational Bank. 20 shares, $2,1 I $2,1 $600 

Phoenix National Bank. 5 " 500 800 500 

Harlford Carpet Co., 42 " 4.200 9,450 .", 

Travelers' Insurance Co.. 5.1 t: '- 0.400 6,677 

N. Y.,N. H. AHart. R.R.Co. 44 " 4,400 5,808 2.470 

Willimantic Linen Co., 500 ; ' 12,500 27,500 7,500 

Nat. Bk. of Commerce. N. Y. fi i4 600 708 820 

Housatonic R. R, Co.'s Bonds, 1,500 1,500 500 

Quiney, (111.) City Bonds, 1,000 1,000 J 

Wabash & WesternR. It. Co.'s Bonds . 1,000 900 - 2,20 I 

Tol., Wab. Sc West. R. R. Co.'s Bonds, 1.000 800 ) 



Totul $34,200 $60,526 $24,347 $24,347 00 

Cash in Company's principal office 8,267 80 

Cash deposited in Bank. 901 40 

Interest accrued on collateral loans:, 1,198 13 

Net premiums in course of collection, 523,f 

Assets of the Company at their actual value. $6,497,275 94 

III. LIABILITIES. 

Losses adjusted and unpaid. $14, U6 00 

Losses reported and unadjusted J 33,600 00 

Losses resisted 4(5.000 00 

Total. 214.010 06 

lie-insurance on fire risks, one year or less, $1,177,295 16 

Re-insurance on risks more than one year. 727,645 54 

Re-insurance on inland navigation risks, 5,430 45 



Amount required to re-insure all outstanding risks. 1,910.371 15 

Dne for salaries, printing, &o 500 00 



Total liabilities, es?ept capital stock L'. 155, 

Capitil stork 3,000,000 00 

Surplus beyond capital 1,341,788 73 



Total liabilities including capital and surplus $6,497,275 94 



COMPANIES OF THE STATE OF CONNECTICUT. 1 L 

IV. INCOME DURING THE YEAB. 

Fi;e. Inland. 

Premiums received in cash $4,185,297 31 $282,571 80 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 263,283 10 39,238 1 1 



Actual cash premiums, $3,922,014 21 $243,338 72 4,165,352 93 

From interest on bonds and mortgages, 7,367 59 

From interest on loans and dividends on stocks and bonds, 325,322 50 

From Rents. 10.011 30 

Actual cash income $4 4 508,654 82 



V. EXPENDITURES DURING THE YEAR. 

Fire. Inland. 

Am'nt paid for losses, including $255,- 

812 07 occuring in previous years,... $1,848, 426 93 $112,727 73 81,901.154 OG 

Cash dividends, 780,000 00 

Commissions or brokerage, 007,395 88 

Salaries and fees, 100,934 77 

Taxes, 70,309 2G 

All other payments and expenses, 171,740 78 



Actual cash expenditures $3,703,001 30 

VI. MISCELLANEOUS. 

Fire. Premiums. 

Risks in force having not more than one year 

to run. $172,004,145 00 $2,354,590 31 

Having more than one and not more than three 

years to run 81,165,688 00 1,004,497 58 

Having more than three years to run 24,450,974 00 358,832 80 



$277,620,807 00 $3,777,920 09 

Inland. Premiums. 

220,899 00 10,800 91 

Premiums received since the organization of the Company, 00,980,399 12 

Losses paid since the Company organized, 42,587,905 77 

Cash dividends paid stockholders, 7,003,305 00 

Stock dividends declared, 2,805,000 00 

Stock owned by directors at date, 328,000 00 

Amount loaned at date to stockholders, not officers, 01,370 00 

Loaned to officers and directors, 7, 500 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland) $18,583,798 00 

Premiums received on same. , 204,530 29 

Losses paid, , 94,034 10 



12 FIRE AND FIRE AND MARINE INSURANCE 

ATLAS FIRE INSURANCE COMPANY- 

Hartford, Conn. 

Commenced Business July 2, 1 873. 

Joseph H. Sprague. President. Edward B. Huntington, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash S200.000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) $159,063 00 

Interest accrued on bond and mortgage loans, 5, 739 00 

Value of the land mortgaged, $365,508 00 

Buildings (insured for £52, 500) 149,100 00 

$5 14,000 00 

Stocks and Bonds oicned by the Company. 

Par Value. Market Value. 

U. S. and State Stocks : — 

United Slates Bonds, 18G7, 810,000 00 $11,850 00 

South Carolina, 7 per c, 20,000 00 5,500 00 

Municipal Bonds: — 

Terre Haute City, 8 per C, 25.000 00 25.000 00 

Evansville City, 7 per c, 20,000 00 17,000 00 

Bank Stocks: — 

National Exchange, Hartford, 20,800 00 37.250 00 

Charter Oak National. M 10,000 00 13,000 00 

First National " 5,000 00 7,000 00 

Mercantile National " 10,000 00 12,000 00 

American National, " 7,000 00 9,520 00 

Farmers and Mec. Nat., " 6,400 00 8,192 00 

.Etna National " 4,500 00 5,760 00 

Total, $147,200 00 $152,072 00 152,072 00 

Loan* on Collateral. 

Tar Market Amount 

Value. Value. Loaned. 

N. V.. N. H., &Hfd. E. R. Co*,$10,000 00 $13,500 00 $10,000 00 

National Exchange Bank 2,000 00 2,600 00 2,500 00 

Mercantile National Bank 1,000 00 1,250 00 1,000 00 

Woven Wire Mattress Co 4,050 00 9*100 00 2,500 00 



2,500 00 



Companies of the state of Connecticut. 13 

Par trket Amount 

Value. Value. Loaned. 

Delaware & Hudson Canal Co., $1,400 00 $1,610 00 $1,500 00 

.Etna Life Insurance Co., 000 00 2,700 00) 

United States TrustCo., 1,200 00 1,400 00) ""'" 

Continental Life Ins. Co., 1,250 00 1,000 00) 

Hartford Carpet Co 1,000 00 2,250 00)" 

Willimantic Linen Co., 1,000 00 2,000 00 1,250 00 

National Screw Co., 500 00 1,000 00 500 00 

First Nation al B sink, 1 . 000 00 1,4 00 00 1 , 250 00 

.Etna Life Insurance Co., 700 00 2,100 00 1,250 00 

Hartford Bridge Co., 1,600 00 1, GOO 00 1,250 00 

Norwich Lock Co., 5,000 00 5,000 00 2,500 00 

Michigan Central E. K, Co.,... 4,000 00 3.680 00l 

American National Bank, 1,000 00 1,400 00 ' 

Delaware & Hudson Canal Co.. 2,200 00 2,530 00 | ' 

Union Manuf act urin g Co. , 500 00 500 00 j 

H. S. Boiler & Insp. Ins. Co.,. GOO 00 1,200 00 500 00 

Merchants Loan and Trust Co. , 4,000 00 4,000 00 2,500 00 

United States 500 00 5G2 50 500 00 



Town of Had dam, 500 00 500 00) 

Town of Essex 2,000 00 2,000 00 ) 



2,500 00 



Total $48,500 00 $03,882 50 $44,000 00 $44,000 00 

Cash in Company's principal office 1,466 40 

Cash deposited in Bank 08,890 98 

Interest accrued on stocks and bonds, 567 00 

Interest accrued on collateral loans and hank deposits, 547 00 

Net Premiums in course of collection. 61,921 71 

Office furniture. $5,000 00. Non resident tax..... 775 00 



Assets of the Company at their actual value, $495,042 19 

III. LIABILITIES. 

Losses reported and unadjusted, ". $36,937 29 

Ke-insurance on fire risks, one year or less, §204,676 35 

Re-insurance on risks more than one year, 26,078 11 



Amount required to re-insure all outstanding risks, 230,754 46 



Total liabilities, except capital stock, £267,691 75 

Capital stock, 200,000 00 

Surplus beyond capital, 27,350 41 



Total liabilities, including capital and surplus, $495,042 19 

IV. INCOME DURING THE YEAR, 

Premiums received in cash, £472,273 00 

Deduct re-insurance, rebate, abatements, and return 

premiums, 26,147 54 



Actual cash premiums, 446,125 81 

From interest on bonds and mortgages, and stocks and bonds, — 22,624 25 

From all other sources, (premium on gold) 374 25 

Actual cash income, $469,124 31 



11 FIHK AND niiK.WH MAKINK IN.-Ti: 



V. DITUBES DUE] LB. 

Ain'nt paid for losses, inolading $1 L,€30 90 occur- 
ring in previous years $1 56, 7 

( ash dividends 12,01 

Com missions or brokerage, 67,222 07 

Salaries and fees 70. 1 I '.' 53 

6.71i 



Actual cash expenditures, 3,849 85 

VI. MISCELLANEOUS. 

Premium*. 

Tasks in force having not more than one year to 

run, |19,730,509 00 $354,352 71 

Having more than one and not more than three 

yearstornu, 947,055 00 21,871 45 

Having more than three years to run. 1.712 00 12, 7\ 



$21,222,876 00 $388,958 52 

Premiums received since the organization of the company, S'OJ 0,820 18 

Losses paid since the organization of the Company, 105,299 09 

Cash dividends paid stockholders, 12,000 00 

Stock owned by directors at date, 74.900 00 

Loaned to officers and directors, 33,000 00 

Loaned to stockholders, not officers, 20 ~>(>3 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland), $2,059,800 00 

Premiums received on same 32,052 75 

Losses paid 16,020 73 

Losses incurred last year 13,226 87 



COMPANIES OF THE STATE OF CONNECTICUT. 15 

CITY FIRE INSURANCE COMPANY, 

New Haven, Conn. 

Commenced Business October, 1874, 

James M. Mason, President, 



I. CAPITAL. 

Capital actually paid up in cash $50,000 00 

Capital for which subscribers' notes or other obligations are held, 50.000 00 

II. ASSETS, 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 9, 300 00 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, 1.000 00 

Interest accrued on bond and mortgage, loans, 150 20 

Value of the land mortgaged, $13,500 00 

Buildings (insured for $3,500) 3,500 00 

817.000 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

Railroad Bonds — 

New Haven & North, convertible, $1,000 00 $910 00 

' ; " 1st mort...... 1,000 00 1,035 00 

Burlington, Cedar Rapids & Minn.,. 1,000 00 490 00 

Railroad Stocks : — 

N. Y., New Haven & Hartford. 800 00 1,064 00 

New Haven & Northampton. 2, 000 00 1 . 080 00 

Bank Stocks : — 

Yale National Bank, New Haven, 2,200 00 2.57100 

Merchants Nat. Bank. " 1,700 00 2.227 00 



Total. $9,700 00 $9,380 00 $9,380 0Q 

Loans on Collateral. 

Par Maikct Amount 

Value. Value. Loaned. 

Trinity Church Reg $7,000 00 $7,000 00 $0,000 00 

Conn. Fire Ins. Co., 1,000 00 1.200 00 900 00 

Union Pacific R. R. bonds,.... 2,000 00 1,(500 00 1,000 00 

Am. Fish Hook & Needle Co., 1,000 00 1,000 00 500 00 

Peck Brothers & Co 1,800 00 1.980 00) . ___ _. 

1,060 00 

South Side R. R 1,000 00 750 00) 

Security Insurance Co., 21,400 00 23,112 00 15,000 00 



Total $35,200 00 $36,642 Q0 $24,460 00 $24,400 00 



16 FIKK AND FIKE AND MARINE INSUKAN 

I in Company's-principal office, - 60 94 

in bank, .t 13 

1 craed on collate! 

emiums in course of collection 

: the Company at their actual value, 

III. LIABILITIES, 
Re-insurance on fire risks, one year or less - 1 865 20 

Amu .nt required to re-insure ail outstanding risks 1,261 

Due for salaries, printing, &c, 4i 66 

Total liabilities, except capital stock 1,31 

Capital stock 

Surplus beyond capital 

Total liabilities including capital and surplus - Cr >i. 

IV, INCOME DURING THE YE Alt. 

Fire. 

Premiums received in cash . $1 ,622 57 

l)e luct re-insurance, rebate, abatements and return 

premiums 37 

Actual cash premiums, >- 1. " 

From interest on loans and dividends on stocks and bonds 

Actual cash income $1. 709 3G 



V. EXPENDITURES DURING THE YEAR. 

Commissions or brokerage ■•■■•■■•• 24 82 

Salaries and fees , 

Actual cash expenditures, |718 76 

VI. MISCELLANEOUS, 

Premium?. 
Risks in force having not more than one year to 

run, 1163,041 00 530 40 

Premiums received since the organization of the Company, 1,585 ! B 

Stock owned by the directors at date 50,000 00 

Loaned to officers and directors 24,46 

Business in Connecticut in 1874. 

Fire risks taken, (no inland) $172,041 00 

Premiums received on same, 1,585 I"* 



COMPANIES OF THE STATE OF CONNECTICUT. 17 



CONNECTICUT FIRE INSURANCE COMPANY. 

Hartford, Conn. 

Commenced Business July, 1850. 
M. Bennett, Jr., President. Charles R. Burt, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash, $500,000 00 

II. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
TJ. S. and State Stocks : — 

United States 6's, $120,000 00 $141,600 00 

United States 5-20's, 30,000 00 35,400 00 

Connecticut, 6 per c 30,000 00 30,000 00 

Municipal Bonds : — 

New Britain City Water, 7 per c, . ... 15,000 00 15,000 00 

Hartford City, 6 per c, 30,000 00 29,400 00 

Hartford School, 7 per c, 3,500 00 3,500 00 

Middletown City, G per c. , 10, 000 00 9, 200 00 

Toledo City, 7 per c. , 10,000 00 10,000 00 

Erie City, 7 per c 10,000 00 9,000 00 

Middletown City, 7 per c. , , 10, 000 00 10, 000 00 

Railroad Bonds : — 

Cincinnati & Ind., 7 per c, 10,000 00 8,000 00 

Chicago, Dubuque & Minn. , 7 per c, 10,000 00 4,000 00 

Michigan Central, 7 per c, 20,000 00 19,000 00 

Jackson, L. & Saginaw, Sperc...... 40,000 00 3G,000 00 

Chicago & Iowa, 8 per c, 20,000 00 18,000 00 

Burr. & Mo River in Neb., 8 per c, 10,000 00 9,500 00 

N. Y., N. H, & Ht'f'd, 7perc...... 40,000 00 40,800 00 

4 






18 F1KE AND FIRE AND MARINE INSURANCE 

Railroad Stocks: — 

Par Value. Market Value. 

Boston & Albauy, $5,000 00 $6,500 00 

Pitts., Ft. Wayne & Chicago, 10,000 00 9,000 00 

N. Y., N. H. & Hartford, 50,000 00 66,600 00 

Bank Stocks : — 

Importers and Tra. Nat. Bank, N.T. . $21,500 00 $11,925 00 

Farmers & Mech's Nat. Bk., H'fd, 26,800 00 34,304 00 

National Exchange, " 10,000 00 12,000 00 

Hartford National, Bank, ; ' 30,000 00 47,700 00 

First National Bank, " 20,000 00 28,000 00 

^tna National Bank, " 10.000 00 12,200 00 

Phoenix National Bank, '« 7,800 00 12,168 00 

Charter Oak National Bank, " 0,200 00 7.750 00 



Total, $015,800 00 $706,417 00 $706,447 00 

Cash in Company's principal office, 12,611 81 

Cash deposited in Bank. 114.535 77 

Net premiums in course of collection, 37,400 00 



Assets of the Company at their actual value, $870,994 58 



III. LIABILITIES. 

Losses reported and unadjusted, $12,000 00 

Losses resisted, 5,000 00 



Total, $17,000 00 

Re-insurance on fire risks, one year or less, $161,572 85 

Re-insurance on risks more than one year,.., 12,018 25 



Amount required to re insure all outstanding risks, 173,591 10 

Total liabilities except capital stock, 190,591 1 

Capital stock, 500,000 00 

Surplus beyond capital, 180,403 48 

Total liabilities, including capital and surplus $870,994 58 



IV. INCOME DURING THE YEAR. 

Premiums received in cash $405,523 05 

Deduct re-insurance, rebate, abatement and re- 
turn premiums, 42,4!>!» ."> 5 



Actual cash premiums, $363,023 70 

From interest on loans and dividends on stocks and bonds, 51,0(15 97 



Actual cash income $414,089 07 



COMPANIES OF THE STATE OF CONNECTICUT. 19 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, including $18,554 87 occur- 
ring in previous years, $147,232 64 

Deduct salvages &«*., 5,228 85 

$142,003 79 

Cash dividends, 60,000 00 

Commissions or brokerage, 55,421 66 

Salaries and fees, 15,556 00 

Taxes, 8,780 34 

All other payments and expenses, 17,478 21 

Actual cash expenditures, $299,240 00 

. VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run, $23,379,800 00 $323,145 70 

Having more than one and not more than three 

years to run, 1,401,600 00 12,826 45 

Having more than three years to run, 591,000 00 5,464 71 

$25,372,400 00 $341,436 86 

Premiums received since the re-organization of the Company,.... 1,051,090 55 

Losses paid since the Company re-organized, 475.346 61 

Cash dividends paid stockholders, 90,000 00 

Stock owned by directors at date, 150,200 00 

Business in Connecticut in 1874. 

Fire risks taken, (no inland) $3,988,000 00 

Premiums received on same, 39 818 31 

Losses paid, 14,500 06 



20 FIRE AND FIRE AND MARINE INSURANCE 



FAIRFIELD FIRE INSURANCE COMPANY. 

South Noswale, Conn. 

Commenced Business May, 1870. 

"Winfield 8. Hanfoep, President. Henry It. Turner, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash 8200,000 00 

II. ASSETS. 
Real Estate owned by the Company unencumbered : — 

South Norwalk, Conn., $28,700 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 158,200 00 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, 5,000 00 

Interest accrued on bond and mortgage loans, 5, 211 92 

Value of the land mortgaged #180,150 00 

Buildings (insured for $115, 500) 207,225 00 



$387,675 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
Municipal Bonds: — 

Fairfield County, $50,000 00 $50,000 00 

War Bonds Town of Norwalk 3,000 00 3,000 00 



Total, 853,000 00 $53,000 00 $53,000 00 

Loans on Collateral. 

Par Market Amount 

Value. Value. Loaned. 

Man'frs A Merch, Bank, N. Y. $3,000 00 $3,400 00) 

Brooklyn City. Hunters Pt., & $4,232 80 

Prospect Park K. E., 1,000 00 1,000 00 ) 

Norwalk Lock Co., 1,200 00 1,800 00> 

National Bank. Norwalk 1,200 00 1,260 OOi 

First National, So. Norwalk. .. 1.000 00 1,100 00 1.000 00 

Nat'l Trust Co., New York 1,000 00 1.000 oo> 

Norwalk St'm. Freighting Co., 650 00 487 50) 

Norwalk St'm Freighting Co., 1,750 00 1.2 75 00 54100 

B'dway & 7th A v. R. R„ N.Y.. 2,500 oo 2,000 <»>" 

Chicago* Alton R. B 700 00 700 <»o» 



.. a 



>0 00 



!»00 00 



2,250 oo 



COMPANIES OF THE STATE OF CONNECTICUT. 21 

Par Market Amount 

Value. Value. Loaned. 

Park Av. R. R., Brooklyn,.... $2,000 00 $2,000 00") 

Nat. But's&Drov'sBk., N. Y., 250 00 337 50 j 

Relief Fire Ins. Co., N. Y...... 750 00 045 00 )■ $2,300 00 

Resolute Fire Ins. Co., N. Y., 500 00 425 00 I 

Norwalk St'm Freighting Co., G50 00 475 00 J 

Cameron Coal Co., 2,000 00 \ 

Cameron Coal Co., 500 00) 

Mutual Life Ins. Co., N. Y.,.. 10,500 00 10,500 00 1,800 00 

Prov., Paw. & Can. Falls R.R. 2,000 00 1,800 00 1,000 00 

Commerce Ins. Co., Albany,.. 3,000 00 3,300 00 "1 

Orient Ins. Co., Hartford, 3,500 00 4,200 00 I 6,000 00 

Economical P't'g Co., N. Y... . 2,300 00 3,500 00 | 

Fireman's Fund Ins Co., N. Y. 750 00 645 00 I 



2,500 00 2,000 00 



Total, $42,700 00 $44,400 00 $24,273 80 $24,273 80 

All other loans, 1,522 22 

Cash in Company's principal office 8,071 78 

Cash deposited in Bank 36,400 94 

Interest accrued on bonds, 15 00 

Interest accrued on collateral loans and bank deposits, 630 48 

Net Premiums in course of collection, 13,767 15 

Rents, 325 00 

Nonresident tax 639 49 



Assets of the Company at their actual value, $335,787 7! 

HI. LIABILITIES. 

Losses adjusted and unpaid, $3,588 41 

Losses reported and unadjusted, 9,479 60 

Losses resisted 500 00 



Total, $13,568 01 

Re-insurance on fire risks, one year or less, 60,507 31 

Re-insurance on risks more than one year, 12,199 85 



Amount required to re-insure all outstanding risks, 72,707 16 

Advertising, etc., 100 00 



Total liabilities, except capital stock, $86,375 17 

Capital stock, 200,000 00 

Surplus beyond capital, 49,412 61 



Total liabilities, including capital and surplus, $335,787 li 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $198,327 78 

Deduct re-insurance, rebate, abatements, and return 

premiums, 22, 362 88 



Actual cash premiums, $175,964 90 

From interest on bonds and mortgages, and stocks and bonds,.... 12,065 61 

From interest on loans and dividends on stocks and bonds. 7,492 49 

From Rents, 1.57500 



Actual cash income, #11)7,098 00 



22 FIRE AND FIRE AND .MARINE INSURANCE 

V. EXPENDITURES DURING THE YEAR. 

Am'nt paid for losses, including 84,817 35 occur- 
ring in previous years, $86,784 41 

Deduct salvages &c, 1,480 00 



185,304 41 

Cash dividends, 30,000 00 

Commissions or brokerage 28.G88 37 

Salaries and fees, 9.342 71 

Taxes 3,206 23 

All other payments and expenses, 8, 701 48 



Actual cash expenditures, $165,243 20 

VL MISCELLANEOUS. 

Premiums. 
Risks in force having not more'than one year to 

run, $8,314,948 26 $121,014 62 

Having more than one and not more than three 

years to run, 1,390,971 00 16,361 57 

Having more than three years to run, 329,755 00 5,023 84 



110,035,674 26 $142,400 03 

Premiums received since the organization of the company, 564,425 56 

Losses paid since the organization of the Company, 340,681 50 

Cash dividends paid stockholders, 58,000 00 

Stock owned by directors at date, 86.775 00 

Loaned to officers and directors, 25,098 80 

Loaned to stockholders, not officers, 16,500 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland), $2,301,890 57 

Premiums received on same, 27,580 93 

Losses paid 10,283 49 



COMPANIES OF THE STATE OF CONNECTICUT. 23 



HARTFORD FIRE INSURANCE COMPANY, 

Hartford. Conn. 

Commenced Business August. 1810. 

George L. Chase, President. J. D. Browne. Secretary. 

C. C. Lyman, Assistant Secretary. 



I. CAPITAL. 
Capital actually paid up in cash, $1,000,000 00 

II. ASSETS. 

Real Estate owned by the Company unencumbered : — 

In Hartford, Conn., $343,175 60 

In Chicago, 111., . , 55,000 00 $398,175 60 

Loans on bond and mortgage, (first liens) 586, 750 00 

Interest accrued on bond and mortgage loans, 15,546 74 

Value of the land mortgaged, $714,000 00 

Buildings (insured for $662,000) 700.000 00 

$1,414,000 00 

Stocks and Bonds aimed by the Company, 

Par Value. Market Value. 

U. S. and State Stocks : — 

U. S., registered 1881, 6 per c....... .$55,800 00 $68,215 50 

United States 5-20's, 6 per c...... 7,000 00 8,557 50 

Tennessee, 6 per c, 33,000 00 21,740 00 

Alabama, 8 per c, 10,000 00 5,300 00 

South Carolina, 20,000 00 6,000 00 

Municipal Bonds : — 

Memphis City, 6 per a, 1,000 00 1,000 00 

Toledo City, Water, 8 per c, 5,000 00 5,000 00 

Watertown, Town, 7 per c, 3,500 00 3,500 00 

New Brunswick, (N. J. ) City, 7 p. c. . . 25.000 00 24.040 00 



u 



FIKE AND FIRE AND .MARINE INSURANCE 



Par Value. Market Value. 
It wi.koad Bonds : — 

Harlem Riv. & Pt. Chester, 7 per c, $50,000 00 $52,500 00 

Hartford, Prov. & Fish., 7 per c.,... 50,000 00 48,500 00 

New York Central, 7 per c. 10,000 00 J0;225 00 

Eailboad Stocks : — 

Connecticut River, 2,000 00 2,760 00 

N. Y., N. H. & Hartford, 50,000 00 69,000 00 

Hannibal & St. Joseph, 20,000 00 6,000 00 

Lake Shore & Michigan Southern,.... 20.000 00 10,200 00 

Bank Stocks : — 

Hartford National, Hartford 51,100 00 80,738 00 

Phoenix, " 46,700 00 75,420 50 

Connecticut River " 5,000 00 G,300 00 

American National, ' ; 15,000 00 21,750 00 

Charter Oak " " 20,000 00 26,800 00 

Farmers and Mec'h's Nat., Hartford. 26,000 00 34,840 00 

Mercantile National, " 15,000 00 19,237 50 

First " " 17,200 00 23,908 00 

^tna " " 31,500 00 40,950 00 

City " " 20,800 00 22,404 00 

American Exchange Nat. New York, 20,000 00 22,800 00 

National Bank of Commerce, " 20,000 00 25,000 00 

Importers and Trad's, Nat'al " 30,000 00 ' 57,300 00 

Bank of America, " 30,000 00 44,400 00 

Manhattan Company, <• ' 10,000 00 15,000 00 

Merchants National, " 15,000 00 17,850 00 

Ocean " " 10,000 00 2,500 00 

Union ^ " " 10,000 00 13,200 00 

Bank of North America, " 10.000 00 9,850 00 

Metropolitan National, " 30,000 00 39,600 00 

Fourth " " 20,000 00 20,000 00 

Blackstone National, Boston,. 14,100 00 19,88100 

National Bnnk of Commerce " 4,300 00 5.455 62 

Second National, " 10,900 00 16,895 00 

Hide and Leather National, M 2,400 00 2,853 00 

Atlantic " " 3,900 00 5.(155 00 

First *' " 10.000 00 21,000 00 

Boylston " " 10.700 00 16,585 00 

National Bank of Missouri. St. Louis, 20,000 00 14.800 00 

Merchants, (in liquidation) " 10,000 00 ."-.500 00 

Union National Albany 6,200 00 7,750 00 

Montreal, Montreal, 30,000 00 62,496 00 

Ontario, Bowmansville, 13,000 00 10.207 20 

Miscellaneous : — 

Conn. Trust and Safe Deposit Co.,... 5,000 00 5.100 00 

necticut River Co 12.000 00 3,000 00 

Total |968,100 00 $1,169,628 82 $1,169,623 8< 



COMPANIES OF THE STATE OF CONNECTICUT. 



25 



Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Hartfoid National Bank $3,900 00 $6,162 00] 

Farmers & Mec. National... 1,600 00 2,141 00 
N. ¥., N. H. & H'f'd R. R, 3,000 00 4,140 00 

0,000 00 7,335 00 J 



$14,080 00 



U. S. bonds, reg. 1881,..., 

Conn Trust & S.-Dep. Co., 2,500 00 



50 00 1,800 00 



Total, $17,000 00 $22,331 00 $15,880 00 

Cash in Company's principal office, 

Cash deposited in Bank, 

Interest accrued on stocks, 

Interest accrued on collateral loans 

Net premiums in course of collection, 

Rents, 

Non-resident tax, , 



Assets of the Company at their actual value, 



$15,880 00 

446 99 

279,465 24 

11,071 26 

657 20 

242,549 52 

2,290 82 

6,350 40 

$2,728,807 59 



III. LIABILITIES. 

Losses reported and unadjusted. $155,453 62 

Losses resisted, 16,241 05 



Total, 

Re-insurance on fire risks, one year or less, $681,778 88 

Re-insurance on risks more than one year, 389,559 30 



1.694 6'< 



Amount required to re-insure all outstanding risks 1,071,338 18 

Cash dividends remaining unpaid, 1,525 00 



Total liabilities, except capital stock, $1,244,557 85 

Capital Stock, 1.000,000 00 

Surplus beyond capital, 484,249 74 



Total liabilities including capital and surplus, 



$2,728,807 59 



IV. INCOME DURING THE YEAR, 

Premiums received in cash, $2,255,681 58 

Deduct re insurance, rebate, abatements and re- 
turn premiums, 156,138 89 



Actual cash premiums, 

From interest on bonds and mortgages, 

From interest on loans and dividends on stocks and bonds, 

From Rents, 

Premium on gold^ 

Actual cash income, 



$2,099, 
62 : 
64. 



542 69 
816 18 
140 32 
457 42 
063 17 



9. 
$2,244,019 78 



FIRE AND FIRE AND MARINE INSURANCE 

V. EXPENDITURES DURING THE YEAR. 

Amount paid foi 76,418 42 occurring in pre- 

TiouE g -1 



.issions or brokerage 

Salaries and fees 

Taxes 

All other payments and expensts ]:;i , 

.pendiinre^ 

Vf. B«m 

tama 

Risks in force having not more than one year to 

run $1 57 66 

Having more than one and not more three ye . 

to run 

Having more than three years to ran. 11. 7i " 194,77 

Premiums received since the organization of the Company 27,37 

Losses paid since the organization of the Company 18,277, - 

Irridends paid stockholders 2,713,100 00 

Stock owned by directors at date, 258,700 00 

Stock dividends declared <> 00 

Busi 'onnsctieiU in 1874. 

Fire risks taken (no inland; $11,&* 

Premiums received on same L15,957 90 

Losses paid _; 



COMPANIES OF THE STATE OF CONNECTICUT. 27 



MERIDEN FIRE INSURANCE COMPANY, 

Mekiden, Conn. 

Commenced Business February, 1872. 

L. W. Clarke, President. E. B. Cowles, Secretary. 



I. CAPITAL. 

Capital actually paid up iu cash, ..» $200,000 00 

II. ASSETS. 

(HOans on bond and mortgage $6,950 00 

Interest accrued on bond and mortgage loans, 343 40 

Value of the land mortgaged, $9,800 00 

Buildings, G,000 00 



$15,800 00 



Stocks and Bo?ids owned by the Company. 

Far Value. Market Value. 
U. S. and State Stocks : — 

U. S. reg, bonds, 5-20's 1807, $30,000 00 $35,550 00 

" " 1881, 5,000 00 5,925 00 

Municipal Bonds : — 

Meriden City Water, 5,000 00 5,000 00 

Railroad Bonds : — 

Harlem River & Portchester, 15,000 00 15,000 00 

New Haven & Northampton, 10,000 00 9,500 00 

Danbury & Norwalk, 9, 500 00 9, 500 00 

Connecticut Valley, 5,000 00 5,000 00 

Chicago & Rock Island, 2.000 00. 2,167 50 

Bank Stocks : — 

First National, Meriden, 7,000 00 8,400 00 

Home " " 13,200 00 15,840 00 

Meriden " ; " 8,900 00 10,680 00 



28 FIRE AND FIRE AND MARINE INSURANCE 







Par Value. 


Market -Value. 




Fourth " New York City, 


1,500 00 


1,500 00 




German American, " 




2,500 00 


2,32o 00 




Ninth National, " 




3,000 00 
5,000 00 


3,000 00 
5.700 00 




American Exchange," 
Nassau, ' ' 








2,000 00 


2,100 00 
2,010 00 
2,000 00 
4,248 50 




St. Nicholas Nat. " 




2,400 00 




Hanover National, " 




2,000 00 
2,030 00 




New Haven County, 






Yale National, New Haven, 




6,000 00 
3,000 00 


7.200 00 
3,000 00 




New Britain, 






Total, 


157,170 00 


$157,176 00 




Loans on Collateral. 






Meriden Britannia Company, 


Par Value. 
^2,500 00 


Market Value. 
$7,500 00 


Amt. Loaned. 
$4,500 00 




Adams Express Co. , 


1,000 00 


1,600 00 


900 00 




iEtn a Insurance Co., 


1,401) 00 


2,800 00 


1,100 00 




Home Nat. Bk., Meriden ... 


1,300 00 


1,500 00 


500 00 




Meriden Nat. Bk., Meriden, 
Home Nat. Bk.. '• 


200 00 
(500 00 


240 00 \ 
720 00 > 


800 00 




Meriden ' ' " 


900 00 

200 00 


1,0S0 00 >_ 
240 00 > 


1,100 00 




Home '• 


500 00 


600 00 


450 00 




Meriden Britannia Co., 


3,000 00 


0,000 00 


2,700 00 




First Nat. Bank, Meriden, . 
Home " " 


2,000 00 
TOO 00 


2,400 00 >^ 
840 00 > 


2,700 00 




Meriden Britannia Co., 


9,900 00 


20,700 00 


0,000 00 




Home Nat. Bk., Meriden,. 


1,000 00 


1,200 00 


900 00 




First " « 


5,000 00 


6 r 000 00 


4,500 00 




Ed. Miller & Co., " 


2,500 00 


3,750 00 


1,000 00 




Meriden National Bank, 


000 00 


1.080 00 


450 00 




Meriden Britannia Co., 


0.000 00 


27,000 00 


0,000 oo 




First Nat. Bank, Meriden, . 


1,000 oo 


1,200 00 


900 00 




Poster. Merriam & Co., M'n, 


1,300 00 


1,050 00 


000 00 




First Nat. Bank, Meriden,. 


1,800 00 


2.100 00 


1,800 00 




Meriden Cutlery Co., 


17,400 00 


17.400 00 


0,000 0O 1 




First Nat. Bank. Meriden,.. 


1,800 00 


2,160 00 


1,800 00 




Meriden Cutlery Co. , 


1,825 oo 


1,825 00) 
2.032 75 - 






Am. M. U. Ex. Co., 


3,500 00 






Meriden Britannia Co., 


875 00 


3,*625 00 ) 


2,250 0O 




Ed. Miller & Co., Meriden, . 


2,000 oo 


3,000 00 


l.soo 00 




Meriden Britannia Co.. 


0.000 00 


27,000 00 


'JO UK) 00 




Home Nat. Bank, Meriden, 


1,000 00 


L,200 00 


900 00 




Meriden Silver Plate Co.,... 


.-..(100 (iO 


5,000 00 


2.500 0O 




U. S. 5-20 bonds, 


1,000 00 

000 00 


1 190 00 


1,000 00 




Yale Nat, Bk. New Haven,.. ' 


I.OM) 00 


900 00' 




Meriden Britannia Co 


l.ooo oo 


3,000 00 


1.000 00 




Galley & Co., New Haven,. 


4,000 00 


4.000 00 


l.soo 0O 




"Wilcox Silver Plate Co., . .. 


10.000 00 


7,500 00 


2,700 00 




Home National Banft 


1.000 00 


1.2O0 00 


ooo oo 





COMPANIES OF THE STATE OF CONNECTICUT. 29 

Par Value. Market Value. Amt. Loaned. 

Merideu Cutlery Co., 8,375 00 8,375 00) 

Norwich AN. Y. Trans. Co. 3,750 00 3,750 00) 9,000 00 
Pultz & Walkley Co., South. 8,650 00 8,050 00 4,500 00 

Merideu Britannia Co., 3,000 00 9,000 00) 

Eagle Lock Co., Terry ville, 700 00 2,800 00) 3 > G00 °° 

G. F. Warner & Co., N. H'n 2,500 00 2,500 00 )_ 

lstmrt. $2,800as'ndtoCo., 2,800 00 2,800 OOi 3,150 00 
Coupon mort. note, Chicago 1,000 00 1,000 00 900 00 



Total, $137,775 00 $222,707 75 $99,900 00 $99,900 00 

Cash in Company's principal office 637 32 

Cash depositedin Bank, 30,636 12 

Interest accrued on stocks, 262 50 

Interest accrued on collateral loans, 5,010 36 

Net premiums in course of collection, '. 13.317 22 

Non-resident tax, 305 00 



Assets of the Company at their actual value, $311,537 92 



III. LIABILITIES. 

Losses reported and unadjusted, $7,165 32 

Losses in process of adjustment, 3,600 00 



Total, $10,765 32 

Deduct re-insurance, 108 32 



$10,357 00 



Re-insurance on fire risks, one year or less, $6(),8!)4 40 

Re-insurance on risks more than one year 9,130 97 



Amount required to re-insure all outstanding risks, 70,325 37 

Due for salaries, printing, <fcc, 800 00 



Total liabilities, except capital stock, $81,182 37 

Capital stock, 200,000 00 

Surplus beyond capital, 33,055 55 



Total liabilities, including capital and surplus. $311,537 92 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, $175,966 99 

Deduct re-insurance, rebate, abatements and return 

premiums, 33,208 (il 



Actual cash premiums, ..; $142,758 35 

From interest on bonds and mortgages, 1 77 56 

From interest on stocks and bonds and stock loans 19,058 87 



Actual cash income $162,291 78 



FIRE AND FIRE AND MARINE INSURANCE 

\. EXPENDITUBES DURING THE YEA]:. 

Amount paid for losses, including $11,072 55 occur- 
ring in previous years $76,570 47 

Deduct re-insurance in other Companies 9,026 - 

$67,543 65 

dividends, 24.000 00 

Commissions or brokerage, 21,600 27> 

Salaries and fees, 7,884 00 

Taxes, 3,441 55 

All other payments and expenses, 

Actual cash expenditures, $133, 7 " 

VI. MISCELLANEOl 

Premiums. 
Bisks in force having' not more than one year to 

run £7,37,0,338 00 $121,7* 

Having more than one and not more than three 

years to run 813,704 00 10,720 31 

Having more thru three years to run. 572,854 00 5,72 

742,890 00 $138,237 0(5 

Premiums received since the organization of the Company, ........ 712 74 

Losses paid since the organization of the Company 1 58,422 33 

Cash dividends paid stockholders, 24.000 00 

Stock owned by directors at date, 

Loaned to officers and directors 72,! i 

Loaned to stockholders, not offi 3ers, 35 ,400 00 

Business in ( cut in 1874. 

Fire risks taken, (no inland) $1,753,613 00 

Premiums received on same. $11 43 

id 17,451 19 



COMPANIES OF THE STATE OF CONNECTICUT. 81 



NATIONAL FIRE INSURANCE COMPANY. 

Hartford, Conn. 

Commenced Business December 1. 1871. 

Mark Howard, President. James Nichols, Secretary. 



I. CAPITAL. 

Capital actual paid up in cash, $500,000 00 

II, ASSETS. 

Loans on bond and mortgage, $344,200 00 

Interest accrued on bond and mortgage loans, 9,077 72 

Value of the land mortgaged, $038,784 00 

Buildings (insured for $258,207) 439/720 00 



.,078,510 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

State Stocks : — 

Connecticut, $10,000 00 $10,300 00 

Municipal Bonds : — 

Hartford Town, 10,000 00 9,800 00 

Hartford City, 51,000 00 51,380 00 

New Britain City, .... 0,000 00 G ; 000 00 

Portland City, 10,000 00 9,800 00 

Kochester City, 15,000 00 15,000 00 

Railroad Bonds : — 

Hart,, Prov. & Fish., 1st Mortgage, 25,000 00 24,250 00 

Har. Riv. & Port Chest, 1st Mortgage, 25,000 00 25 000 00 

Railroad Stocks: — 

New York, New Haven & Hartford,... 40,000 00 55,200 oO 

Pittsburg, Fort Wayne & Chicago, .... 10,000 00 9.500 00 

New York Central & Hudson River,... 10,000 00 10,300 00 

Lake Shore & Michigan Southern, ... 10,000 00 8,000 00 

Bank Stocks : — 

Nat'al Mechanics B'k'g Assoc'n N. Y. 5.000 00 4 050 00 

Metropolitan National Bank, N. Y., 10,000 00 13,000 00 

Central " " " .yoOO 00 5.200 00 



1-TKK AND FIRE AND MARINE INSURANCE 



Pai Value. 

Farmers * Mechanics Nat Ek. Hart. 20,< 

Charter Oak " " " 10,0 

Phoenix " " ,l 30,000 00 

.Etna " " " 21,500 00 

City " 44 '' 5,000 00 

Hartford 30,000 00 

Mercantile " " " 

National Exchange : ' li " 10,000 00 

Nat Bank of the Kepublic, Boston. 7,500 00 

Boston National Bank. " 10 00 

Merchants Bank. St. Louis, 875 00 



Market Value. 
500 00 
L3,3l 

00 00 

27,950 00 

5.400 00 

47,100 00 

6,350 00 

13,01 

9,6 

8,540 00 
500 00 



Total. 



Indianapolis & Gin. E. E.... 
Toledo. Wabash & Western, 

Milwaukee &: St. Paul 

Hart., Prov. & Fishkill 

Cleveland & Pittsburgh 

Indiana Central. 

Milwaukee & St. Paul 

N. Y.. N. H. & Hartford 

Weed Sewing Machine Co. . 

Hartford Carpet Co.. 

First Nat. Bank. H urtford, . 

Hart. ; ' 

U. S. Trust Co.. 



|388,875 00 

Loans on Collateral. 

Market 

Value. 

001 

00 ! 
10 00 



ft 464, 820 00 $464,820 00 



Par 

Value. 



Amount 
Loaned. 



■0 00 
3,000 00 

2.000 00 
2,000 00 
3.000 00 

500 00 
4,000 00 
1,000 00 
1.025 00 

500 00 
1,000 00 

500 00 
1,000 00 



1.04«' 
3,00(* 

500 00J 
3.000 00 1 
1,380 00 | 
2,156 00 [ 
1.125 00 J 
1,380 00J 

785 00 

l.ooo oo 



^ $11,400 00 



COO 00 
GOO 00 



Total , $26,425 00 $26,526 00 $19,887 32 

Cash in Company's principal office, 

Cash deposited in Bank 

Interest accrued on Bonds, 

Interest accrued on collateral loans. 

Net premiums in course of collection, 

Assets of the Company at their actual value 

III. LIABILITIES. 

Losses adjusted and unpaid, $8,549 01 

Looses reported and unadjusted, 12,380 72 

Losses resisted 7.124 61 



Total. 

Ee-insurance on fire risks one yearorless. $169,311 21 

Re-insurance on risks more than one year, 49,442 70 



Amount required to re-insure all outstanding risks. 



Total liabilities, except capital stock. 

■A stock 

Surplus beyond capital 



819,887 82 

539 02 

60.524 51 

4.527 50 

629 00 

33.147 42 

1943,353 14 



Total liabilities including capital and surplus. 



$28,054 84 



$246,808 25 

196,544 89 
$943,353 14 



(COMPANIES OF THE STATE OF CONNECTICUT 



IV. INCOME DUEING THE YEAE. 

Premiums received in cash. -.$420,112 09 

Deduct re-insurance, rebate, abatements, and return 

premiums, £6,211 48 



Actual cash premiums, $389,000 61 

From interest on bonds and mortgages, ... 27.085 34 

From interest on loans, and dividends on stocks and bonds, 31,766 55 

Actual cash income, $452,652 50 



V. EXPENDITURES DURING THE YEAE. 

Am'nt paid for losses, including $19,294 15 occur- 
ring in previous years $140,516 62 

Deduct salvage, 291 44 



Cash dividends, ... 

Commissions or brokerage, 

Salaries and fees, 

Taxes , 



All other payments and expenses, 
Actual cash expenditures,. 



$140,225 18 

90,000 00 

58,581 28 

25,449 99 

8,764 78 

19,700 32 

$351,730 55 



Vi. MISCELLANEOUS. 

Eisks in force having not more than one year to 

run, $23,332,081 00 

Having more than one and not more than three 

years to run, 3,560,476 00 

Having more than three years to run, 1,919,813 00 



$28,812,370 00 

Premiums received since the organization of the Company, 

Losses paid since the organization of the Company, 

Cash dividends paid stockholders, 

Stock owned by directors at date, 

Loaned to directors, 

Loaned to stockholders not directors 



Premium p. 

$342,724 45 

48,602 16 
28,349 43 

$419,676 04 

1,249,387 08 

540,340 89 

140,000 00 

123,200 00 

12,000 00 

7,887 32 



Business in Connecticut in 1874. 



Fire risks taken (no inland). . 
Premiums received on same. 

Losses paid 

5 



$3,108,735 00 
40,622 98 
20,206 10 



34 FIRK AN!) FIR!-: AND MARINE INSURANCE 



NORWALK FIRE INSURANCE COMPANY. 

N • t :. Conk. 

Commenced Business M\y 12, I860. 
William C. ^tbket, President. Geo. R. Cowles. Secret 



I. CAPITAL. 

Capital actual paid up in cash $50,000 00 

Capital for which subscribers' notes or other obligations are held. 

TI. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due 2.200 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

C. S. and State Stocks : — 

U. S. reg. bonds. 1865 $20,000 00 $23,600 00 

Railroad Bonds — 

Danbury & Norwalk 1.000 00 1.000 00 

Bank Stocks: — 

German Am. National Bank N. Y 3,( >00. 00 2. 650 ( N I 

4th National Bank X. Y 1.000 00 1,000 

Total $26,000 00 $29,450 $29,450 00 

Loan % on Ooll '.- ral. 

Par Market Amount 

Value. Loaned. 

Norwalk Mills $450 00 $360 00 $300 00 

Danbury National Bank 3 00 5 00 300 0Q 

Norwalk National Bank 00 315 00 

Danbury ft Norwalk B. B.,. 250 00 250 00 150 00 

Danbury & Norwalk R. R... > 00 2,400 00 

Norwalk National Bank 900 00 945 00 > 00 

Danbury ft Norwalk B. B.,. 00 ) 00 '00 

Union Mannf'g Co 750 00 3,000 00 2,400 00 

National Bank of Norwalk. . I 00 210 150 < 

Norwa'k Gas Light Co., 2,500 00 2,750 00 '00 

Cin.. Sand. A Clew R. R... 00 00> , 00 

Stamford National Bank 360 00 

Danbury ft Norwalk R. EL,. T ; i(in 00 

American Exchange Bank.... 3.000 00 

LonnsbnryftBisseUCo 3,750 00 4,500 00 

Total $17,260 00 $20,993 00 $13,000 00 $13,000 00 



COMPANIES OF THE STATE OF CONNECTICUT. 35 

All other loans 34,686 00 

Cash in Company's principal office, 1,860 97 

Cash deposited in Bunk, 3,037 61 

Interest accrued on stocks, 1,163 00 

Interest accrued on collateral loans 5,434 50 

Net premiums in course of collection, 728 25 

Assets of the Company at their actual value, $ 91, 560 33 



III. LIABILITIES. 

Losses reported and unadjusted, $4,932 00 

Deduct re-insurance, 1.500 00 

• $3,432 00 

Re-insurance on fire risks, one year or less, $6,849 23 

Re-insurance on risks more than one year, 5,186 98 

Amount required to re-insure all outstanding risks, 12,036 21 

Total liabilities, except capital stock, $15,468 21 

Capital stock. 50,000 00 

Surplus beyond capital 26,092 12 

Total liabilities including capital and surplus, $91,560 33 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, $17,418 55 

Deduct re-insurance, rebate, abatements and return 

premiums, 2,391 08 

Actual cash premiums, , $15,027 47 

From interest and dividends, 5, 892 25 

Actual cashincome. , $20,919 72 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses including $504 09 occurring 

in preyious years, $6,068 29 

Deduct salvages etc., 216 58 

— $5,851 71 

Cash dividends, 5,000 00 

Commissions or brokerage, 2, 868 92 

Salaries and fees 1,625 00 

All other payments and expenses, 492 42 

Actual cash expenditures, $15,838 05 



3() E AND FIRE AND MARINE INSURANCE 

VI. MISCELLANE01 



Premiums, 



Risks in force having not more than one year io 

run $1,065, 3G6 00 . 98 00 

Having more than one and not more than three 

years to run 701,210 00 9,099 2f» 

Saving more than three years to run 132,025 00 1,514 TO 1 



■1 00 $24,312 02 

Premiums received since the organization of the Company. 165, 022 19 

Losses paid since the organization of the Company, 71 41 

Cash dividends paid stockholders, 200 00 

Stock owned by the directors at date, 51,000 00 

Loaned to officers and directors 25, 500 00 

Loaned to stockholders not officers 14.850 00 



ORIENT INSURANCE COMPANY. 

Haetfobd, Conn. 

Commenced Business January, 1872. 
S. C. Peeston, President. Geob&e W. Lesteb, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash $350,000 00 

[0:i the 15th of January, 1ST5, the capital of tbie Company was increased 
$60,0<)0. At the time of thifl publication, therefore, it has a cash cap- 
ital of £1 00,000.] 

II. ASSETS. 

Ileal Estate owned by the Company unemcumbered : — 

In Hartford, Conn., $7,740 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 153,167 00 

Interest accrued on bond and mortgage loans, 3,151 66 

Value of land and buildings (ins. for $159,500) 502,000 00 

Stocks and Bonds owned by the Company. 

Fu- Value. Market Value. 
MuNii IPAL Bonds : — 

: Middle School District, H'tf'd $10,000 00 810.000 00 

Fifth School District, East Windsor. 10,000 00 10,000 00 
Railroad Bonds : — 

Indiana Central 10,000 00 10,000 00 

Indianapolis & Cincinnati 11,000 00 9,460 00 

Hart., Prov. & FishkiU 20,000 00 19,400 00 



COMPANIES OF 1*HK STATE OF CONNECTICUT. 



87 



ParValu 



Market Value. 



Bailroao Stocks :— 

N. T.,N. H.,&Hfd. E. E. Co . $46,15100 

Michigan Central, 2:3 : 7<>: 19,552 50 

Lake Shove & Mich. Southern, 10,000 00 8,000 00 

Albany & Susquehanna. 10,000 00 9,400 00 

Cleveland & Pittsburg, 20,000 00 17,700 00 

Bank Stocks: — 

American National. Hartford 19,700 00 28,565 00 

J"tna National '" 11,700 00 15,210 00 

Charter Oak National. " 12,800 00 17,024 00 

Farmers and Mee. Nat., ts 13,400 00 17,956 00 

Hartford National " 22,400 00 35,056 00 

City National, " 7,500 00 8,100 00 

Mercantile National " ; , 11,900 00 15,172 50 

Phoenix National " 5,000 00 8,050 00 

First National " 10.000 00 14,000 00 

National Exchange, •• 8.150 00 4,485 00 

Metropolitan National Bk. N. Y.,... 10,000 00 18,100 00 

Fourth National " 1^030 00 9,625 00 

MISCELLANEOUS : — 

Conn. Trust & S. D. Co., «' 10,000 00 10,000 00 

Atlantic Dook Co. 9,000 00 9 = 000 00 

Total, ,. 8810.250 00 $365*007 00 

Loans on Collateral. 

Par "Value. Market Value. Amt. Loaned; 

A-kna Fire lus. Co., $1,300 00 $2,600 00 $1,200 00 

" 1,200 00 2.400 00 1,200 00 

Phoenix '• " 4,000 00 7,400 00 800 00 

National " " 2,500 00 3,125 00 000 00 

" 1.500 00 1,875 00) . - nn nA 

1..j00 00 

Conn. Gen. Life Ins. Co.,... 1,300 00 1,196 00) 

" . .. 1,000 00 920 00 j 150Q 0() 

National Fire Insurance Co. 1,400 00 1,750 00) 

MtDA Life " " 1,000 00 8,000 00 1,000 00 

800 00 2,400 00 1,200 00 

Conn. General " " 5,; 00 00 4,600 00) c nnn nn 

6.000 00 

N. Y , N. H. & Hartf'd E. Fv,, 8,000 00 3,990 00) 

"' ;i " " 1 900 00 9 527 00) 

L,JUU OO _..>_, 00^ 3000 0Q 

Adams Express Co. , 2, 600 00 3,018 00 > 

" 1,000 00 1,160 00 600 00 

i; 2,500 00 2,900 00 2,000 00 

Weed Sewing Machine Co.,. 2,500 00 3,000 00 1,000 00 

6,250 00 7,500 00 6,000 00 

" " 1.175 00 1,410 00 1,300 00 

" •• 1,175 00 1,410 00 1.300 00 

« " '• « 1,000 00 1,920 00) G0{)()0() 

American National Bank. .... 4, 000 00 5, 600 00 > 

iEtna '• • .... 500 00 645 00 300 00 

Charter Oak ■• " .... 1,000 00 1,330 00 540 00 



$305,007 00 



00 FIRE AND 


KIKE AND 


MARINE 


INSURANCE 






Par 


Market 


mnt 






\ aluc. 


Value. 


Loaned. 




" 




50 00 


$460 00 




First 


300 00 


345 00 


120 00 




'• 


300 00 


345 00 


180 00" 




;. 


400 l 


4 GO 00 


• 00 




Rockville 


500 00 


525 00 


420 00 




National Bank of Commerce, 


2,500 00 


2,500 00 


1,800 00 




American National Bank,... 


750 00 


1,050 00^ 


. 




Charter Oak ' ; " ... 


500 00 


005 00 






First •• •• .... 


800 00 


420 00 


3,480 00 




iEtna Fire Insurance Co 


200 00 


400 00 






*H. Michener, Champagn.Ill 


. 1,600 00 


1.000 00 






♦W.W.Snyder, 


2,000 00 


2,000 00 


1.200 00 




*W. Hill, Bloomiugton, El., 


2,000 00 


2,000 00 


1,800 00 




*J. C. & C. E. Giesendorf, 










Indianapolis, 


1,000 00 


1,000 00 


000 00 




*E\ving& Smith, Ft. Wayne. 


1,000 00 


1,000 00 


1,000 00 




*John Cawein, Louisville,... 


2,000 00 


2,000 00 


1,800 00 




U. S. 5-20's, 1807, 


150 00 


183 00 


150 00 




Hart,, Prov. & FishkillB.B. 


4,000 00 


3,880 00 


1,200 00 




South SideR. Ft., 


20,000 00 


15,000 00 


7.500 00 




City of Hartford 


2,000 00 


1,940 00 


1,800 00 




Hartford Carpet Co 


1.700 00 


3,842 00 


3,000 00 




Hertford City Gas Light Co 


050 00 


1,092 00 


900 00 




Shailer & Hall Quarry Co., . 


700 00 


1.540 00 


1,200 00 




Total $95,750 00 $ 


112,511 00 


£05,810 00 


$l ->io 00 



Cash in Company's principal office, 

Cash deposited in bank, 

Interest accrued on stocks, 

Interest accrued on collateral loans 

Net premiums in course of collection, 

Assets of the Company at their actual value. 8719,341 58 




HI. LIABILITIES. 

Losses reported and unadjusted, •„-. 

lie-insurance on fire risks, one year or less 8155,152 90 

lie-insurance on risks more than one' year, 35,0 



Amount required to re-insure all outstanding risks. 



Total liabilities, except capital stock, 

Capital stock, 

Surplus beyond capital 



817,925 16 



190,160 58 

208,085 74 
350,000 00 

101,255 84 



Total liabilities including capital and surplus S"19,34l 58 

Trasl deed, i >t mortgage bond?. 



COMPANIES OF THE STATE OF CONNECTICUT. 39 

IV. INCOME DURING THE YEAR. 

Premiums received in cash $386,359.40 

Deduct re-insurance, rebate, abatements and return 

premiums, 37,134 21 

Actual cash premiums, $3 19, 225 1 

From interest on bonds and mortgages, 18,114 26 

From interest on loans and dividends on stocks and bonds, 31,889 00 



Actual cash income, $399,228-42 

V. EXPENDITURES DURING THE YEAR, 

Amount paid for losses, (including $32,065 74, occurring in pre- 
vious years $183,572 65 

Cash dividends, .",2.500 00 

Commissions or brokerage, 53, 748 97 

Salaries and fees, 21,072 22 

Taxes, 8,87:5 79 

AH other payments and expenses, 22,103 96 



Actual cash expenditures,.... .$341,931 59 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year 

to run, $21,369,750 00 $329,889 17 

Having more than one and not more than three 

yearstorun, 2,992,474 00 37,410 10 

Having more than three years to run, 875,945 00 12,438 43 



$25,238,109 00 $379,737 70 

Premiums received since the organization of the Company, 1,179,410 91 

Losses paid since the Company organized, 62G,472 07 

Cash dividends paid stockholders, 52, 500 00 

Stock owned by directors at date, ., 90,500 00 

Loaned to officers and directors, , 39.047 00 

Amount loaned at date to stockholders, not officers, 10.730 00 

Business in Connecticut in 1 874. 

Fire risks taken (no inland) $2,780,909 00 

Premiums receive'd on same 35,020 38 

Losses paid 22. 703 02 



FIHK AND PIKE AND MAKINK [KSUIiAXCK 



PEOPLE'S FIRE ENSUKANCE COMPANY. 
Mtddletown, Conn. 
Commenced Business May. J. 865, 
Jesse (t. Baldwin-, President. Sf.th H. Butler. Secretary^ 



I. CAPITAL. 

Capital actual paid up in cash $42,000 00 

Capital for which subscribers' notes or other obligations are held, 158,000 00 



XL ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year s interest due, $2,500 00 

Value of the land mortgaged, $4,000 00 

Buildings (insured for $2,500) 4.000 00 

'<) 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

Municipal Bonds : — 

Middletown Town , 7 per c, $41, 500 00 $41, 500 00 

Middletown Town, 7 per c, 35, 000 00 35,000 00 

Railroad Bonds: — 

N. EL, Iff. & W. 1st 20,000 00 10.000 00 

Bank Stocks : — 

Middletown Savings 11,000 00 11,000 00 

Farmers & Mechanics, 15,000 00 15.000 00 

Central National,' 8,750 00 5,000 00 

First National, 10,000 00 10,000 00 



Total $136,250 00 $127,500 00 $127,500 00 

Gash in Company's principal office 4 -G."> 83 

('ash deposited in bank 8,156 Hl' 

^et premiums in course of collection 756 82 

Assets of the Company at their actual value $134,1 7!" 57 



COMPANIES OF THE STATE OF CONNECTICUT. 41 

III. LIABILITIES. 

Losses resisted, $2,500 00 

Deduct salvage, 1,500 00 



Re-insurance on fire risks, one year or less $20,245 01 

Re-insurance on risks more than one year, 3,930 08 



$1,000 00 



Amount required to re-insure all outstanding risks, 21,175 09 



Total liabilities, except capital stock, $25,175 09 

Capital stock, 42,000 00 

Surplus beyond capital, 67,004 00 



Total liabilities including capital and surplus, $134,179 57 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $44,382 52 

Deduct re-insurance, rebate, abatements and return 

premiums, 2,085 80 

Actual cash premiums, $42,296 72 

From interest on bonds and mortgages, 175 00 

From interest on loans and dividends on stocks and bonds, 8,318 23 



Actual cash income, $50,789 95 

V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, including $381 28 occurring in previous 

years, $24,085 51 

Cash dividends, 4,000 00 

Commissions or brokerage, 5,983 33 

Salaries and fees, 3,150 00 

Taxes, 1,163 96 



Actual cash expenditures, $38,382 80 

VI. MISCELLANEOUS. 
Risks in force having more than one year to run, . $2,699,334 19 
Having more than one and not more than three 

years to run, 781,120 00 

Having more than three years to run, 168, 895 00 

$3,649,349 19 



Premiums received since the organization of the Company 358,274 78 

Losses paid since the organization of the Company, 175,815 48 

Cash dividends paid stockholders, 28,500 00 

Stock dividends declared, 20,000 00 

Stock owned by directors at date, 64,500 00 

6 



42 FIRE Wl» FIRE AND MARINE [NSURANCE 



PHCENIX FIRE INSURANCE COMPANY. 

Hartford, Conn. 

Commenced Business June. 1854. 

Henry Kellogg. Presiih D. W. C. Skilton, Secretary. 



I. CAPITAL. 

Capital actual paid up in cash £600,000 0O 

II. ASSETS. 

Real Estate owned by the Company unencumbered : — 

In Hartford, Conn., 812-4,716 63 

In Charleston, S. C, 10,000 00 

In Alameda, Cal., 19,000 00 



8153,716 63 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 1,000 00 

Interest accrued on bond and mortgage loans, 46 66 

Value of the lands mortgaged, $2,000 00 

Buildings (insured for $2,000) r 5,000 00 



$7,000 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States 6's $75,000 00 01,500 00 

United States 5-20's 6 per c, 25,000 00 28.500 00 

Tennessee, 6 per c, 26,000 00 15,080 00 

Alabama, 8 per c, 50,000 00 26,500 00 

South Carolina, 6 per c, 25,003 70 7,501 11 

Municipal Bonds : — 

Hartford City, 6 per c, 10,000 00 10,000 00 

New Britain Water, 7 per c, 10,000 00 10,350 00 

Detroit City, 7 per a, 50,000 00 51.500 00 

Cincinnati City, 7 3-10 per c. 50.000 00 52,000 00 

San Francisco. 7 per c, 48,500 00 49,956 00 

Hamilton County Ind., 10 per c 40,000 00 40,400 00 

Railroad Bonds : — 

Indianapolis & Cincinnati, 7 per c... 68,000, 00 59,840 00 

Connecticut Western, 7 per c, 30,000 00 21,000 00 

Harlem River & Port Chester 7 per c, 50,000 00 52,500 00 

Southern Minnesota 7 per o 50.000 00 5.000 0Q 



COMPANIES OF THE STATE OF CONNECTICUT 



43 



Par Value. 
Bank Stocks : — 
Hartford National, Hartford, $100,000 00 

Farmers' & Mech. Nat. " 57,500 00 

Mercantile National, " 52,500 00 

City National, " 20,000 00 

^tna National, " 22,500 00 

Phoenix National, " 38,200 00 

State, " 17.000 00 

Connecticut River. " 5.000 00 

American National, 35,350 00 

National Exchange, " 1,400 00 

Hartford Trust Company, " 25,000 00 

Metropolitan National, New York, 10,000 00 

Merchants Exchange Nat., " 9,000 00 

Manufacturers' & Merchants, " 6,000 00 

New Britain National, New Britain, 19,000 00 

Waterbury National, Waterbury, 10,700 00 

Niagara District, Canada, 5,000 00 

Fourth National, Chicago, 10,000 00 



50,000 00 
25,000 00 



Railroad Stocks : — 
N. Y., N. H. & Hartford, 
Rensselaer & Saratoga, 

Miscellaneous : — 

Atlantic Dock, 7 per c, 50,000 00 

Holyoke Water Power, Co., 10.000 00 

Total, 

Cash in Company's principal office 

Cash deposited in Bank 

Interest on bank deposits, 

Net Premiums in course of collection, 



Market Value, 

$160,000 00 
77,625 00 
67,331 25 
21,600 00 
29.250 00 
61,881 00 
21,250 00 

6,500 00 
51,257 50 

1,820 00 
27,500 00 
13,600 00 

9,450 00 

6,000 00 
24,700 00 
16,050 00 

5,200 00 
11,000 00 



69,000 00 
28,000 00 



50,000 00 
20,000 00 

$1,300,643 86 $1, 



Assets of the Company at their actual value, 



300.643 86 

1,615 68 

235,229 42 

991 34 

159,059 23 

.852.302 82 



III. LIABILITIES. 

Losses adjusted and unpaid, $21,758 31 

Losses reported and unadjusted, 67, 343 48 

Losses resisted, 9,300 00 



Total, 



Re-insurance on fire risks, one year or less, 579,452 09 

Re-insurance on risks more than one year, 293,659 58 



Amount required to re-insure all outstanding risks, 



Total liabilities, except capital stock, 

Capital stock, 

Surplus beyond capital. 



$98,401 79 



873,111 67 

971,513 46 
600,000 00 
280,789 36 



Total liabilities, including capital and surplus, $1,852,302 82 



4-i FIRE AND nRI AND MARINE ENSURANOI 

IV. INCOME DURING HIE YEAR. 

Premiums received in cash , BO 

Deduct re-insurance, rebate, abatements, and return 

premiums 87,039 



Actual 'cash premiums $1,512,714 <>2 

From interest on bonds and mortgages, BO 91 

From interest on loans and dividends en stocks and bonds _ :,~ 10 

From Rents, 

Aotual cash income $1,601,9 

V. EXPENDITURES DURING THE YEAR. 

Am*rit paid for losses, including $127,992 77 occur- 
ring in previous years. 

Cash dividends. 150,1 

Commissions or brokerage 

Salaries and fees. 56,t 

Taxes 

All other payments and expenses, 114,730 23 



Actual cash expenditures. 61. 347,159 21 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run $83,144,381 00 $1,158,904 19 

Having more than one and not more than three 

years to run, 29,946,818 00 383,685 61 

Having more than three years to ran, 6,862,390 105,74 7 03 



589 00 $1,648,336 83 

Premiums received since the organization of the company, 16,341,227 

Losses paid since the organization of the Company. 10,286,47 

Cash dividends paid stockholders, 1,330,000 00 

Stock owned by directors at date, U2.100 00 

■tess in Connecticut in 1874. 

Fire risks taken (no inland), $9,448,110 00 

Premiums received on same 105,6! 

Losses paid 48,431 56 



COMPANIES OF THE STATE OF CONNECTICUT. 45 



SECURITY FIRE INSURANCE COMPANY. 

New Haven, Conn. 

Commenced Business April, 1841. 

Charles Peterson, President. Herbert Mason, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash.... $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 20,200 00 

Interest accrued on bond and mortgage loans, 380 62 

Value of the land mortgaged, $46,000 00 

Buildings (insured for $15,000) 15,000 00 



$61,000 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stoces : — 

United States 5's, 1881, reg... $40,000 00 $45,550 00 

" '■ 1865, coup 500 00 586 25 

" " 1867, coup., 4,500 00 5,32125 

Municipal Bonds: — 

New Haven Water Co.. 1st Mort 10,000 00 10,000 00 

Railroad Bonds : — 

Michigan Central, 5,000 00 4,143 75 

West Wisconsin, 1st Mort., 3,000 00 2,550 00 

N. Y., N. H. & Ht'f'd, 10,000 00 13,250 00 

Lake Shore & Michigan Southern,.... 10,000 00 8,000 00 

ShoreLine, 6,100 00 6,222 00 

Morris & Essex, 10,000 00 0,625 00 

Chicago & Alton, income bonds, 16,500 00 16,582 50 

New Haven & Northampton, 15,000 00 13,650 00 

Peoria, Pekin & Jacks'ville, 1st Mort, 6,000 00 5,400 00 

Bank Stocks : — 

Second National, New Haven, 11,200 00 16,016 00 

Merchants National, " 5,700 00 6,954 00 

New Haven County Nat. New Haven 5,160 00 7,224 00 

NewHavenNat., '■ 7,900 00 11,297 00 

Yale National, " 10,000 00 11,700 00 

Miscellaneous : — 

Sweedslron Co., 2,000 00 2,000 00 



Total, $178,560 00 $196,07175 $196,071 75 



1 



4(3 FIRE AND FIRE AND MARINE INSURANCE 

Loans on Collateral. 

I'itr Market Amount 

Value. Value. Loaned. 
Sav Bank Book assigned. 

Conn. Sav. Bank, New Haven, $000 00 $000 00 $500 00 

Hazard Powder Co., 0,800 00 0,800 00 500 00 



Total, $7,400 00 $7,400 00 1,000 00 $1,000 00 

Cash in Company's principal office, 1,855 98 

Cash deposited in Bank, 37, 252 30 

Interest accrued on stocks, 214 00 

Interest accrued on collateral loans, 43 75 

Net premiums in course of collection, 21, G8G 32 

Bills receivable, 15,907 66 

All other property, salvages &c. , 7, 1 89 00 

Non resident tax 438 50 



Assets of the Company at their actual value, $302,209 88 



III. LIABILITIES. 

Losses adjusted and unpaid, $7,330 4<> 

Losses reported and unadjusted, 4,500 00 

Losses resisted, 1, 000 00 



Total, $12,830 40 

Re-insurance on tire risks, one year or less, $51,441 03 

Re-insurance on risks more than one year, 2,184 50 

Re-insurance on unexpired marine risks, 19,020 02 

Amount required to re insure all outstanding risks, 72,040 21 



Total liabilities except capital stock, $85,476 07 

Capital stock, 200,000 00 

Surplus beyond capital, 10,793 21 

Total liabilities, including capital and surplus $302,209 88 



IV. INCOME DURING THE YEAR. 

Fire. Marine. 

Premiums received in cash, $113,339 14 $87,920 84 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 1,822 21 380 00 

Actual cash premiums, $111,510 93 $87,540 88 $199,057 76 

From interest on loans and dividends on stocks and bonds, 13,781 12 

Notes for premiums, unpaid $15,907 00 

\ ■;■ I ■ ash income, $212.838 88 



COMPANIES OF THE STATE OF CONNECTICUT. 17 

V. EXPENDITUKES DUKING THE YEAK. 
Fire. Marine. 

Arn'nt paid for losses, $56,057 16 $52,606 54 

Deduct salvage to., 829 26 $107,834 44 



Cash dividends, 10,681 72 

Commissions or brokerage, 24,064 41 

Salaries and fees, 12,853 05 

Taxes, 564 89 



Actual cash expenditures, $155,998 51 



VI. MISCELLANEOUS. 

Fire. Premiums. 

Whole amount of policies in force, $10,328,279 00 $107,251 18 

Marine. Premiums. 

'• " " " $752,280 00 $19,020 62 

Premiums received since the organization of the Company, 1.272,823 65 

Losses paid since the Company organized, 902.481 57 

Cash dividends paid stockholders, 186,281 72 

Stock dividends declared, 50,000 00 

Stock owned by directors at date, 49, 850 00 

Loaned to officers and directors, 7,500 00 

Business in Connecticut in 1874. 

Fire. Marine. 

Fire and marine risks taken, $6,584,900 00 $3,158,000 00 

Premiums received on same. 66,589 21 87,127 92 

Losses paid, 34,775 12 51,654 11 



1 



FIRE AND FIRE AND MARINE INSURANCE 



BARTFORD STEAM BOILER INSPECTION AND 
3URANCE COMPANY. 

Hartford, C 
Commenced Business December. I 
J. ML Allen. President. J. B. Pierce. Secretary. 



I. CAPITAL. 

Capital actually paid np in cash 8200.000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's intere-t due. 8'»7.>00 00 

Interest accrued on bond and mortgage loans. 1,614 96 

Value of the land mortgaged $224,650 00 

Buildings i insured for $12,000) 18,000 00 



8:4J.0.J0 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Valne. 
State Stocks : — 

Connecticut, 6 per c 8100.000 00 $10-1, 000 00 

Municipal Bonds : — 

Urbana Township 4,000 00 4.000- 00 

Railroad Bonds : — 

Dayton & Western. 15, 11,550 00 

Railroad Stocks : — 

New York. New Haven & Hartford. . 10,000 00 13.800 00 
Bank Stocks : — 

Citv National. Hartford 2,800 00 2,99 



Total $131,800 00 ;•'» 00 $13G,346 00 

Cash in Company's principal office 1.924 91 

Cash depo^itedin Bank 88 60 

in hands of agents and in course of transmission 11,773 38 

Interest accrued on stocks 3, 190 00 

Premiums in due course of collection 2,697 61 

All other property belonging to the company 2,400 00 

\->ets of the Company at their actual value 8238.08o 4~> 



COM PA NIKS OF THE STATE OF CONNECTICUT. 49 

III. LIABILITIES. 

Losses adjusted and unpaid, $2,852 44 

Losses reported and unadjusted, 650 00 

Net amount of unpaid Losses. $3,502 44 

Amount required to re-insure ail outstanding risks, 30,043 95 



Total liabilities, except capital stock, $34,440 39 

Capital stock, 200,000 00 

Surplus beyond capital 3,639 06 



Total liabilities, including capital and surplus, $238,085 45 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $128,500 31 

Deduct re-insurance, rebate, abatements and return 

premiums, 7,320 20 



Actual cash premiums, $121,180 05 

From interest on bonds and mortgages, 5,105 56 

From interest on loans and dividends on stocks and bonds, 8,956 62 

Received from the assured for the inspection of steam boilers. 55,071 55 

Actual cash income •. $190,313 78 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, including $385 00 occurring in previ- 
ous years $5,530 74 

Cash dividends, 10.250 00 

Applied on capital stock 40,000 00 

Commissions or brokerage, 48,097 32 

Salaries and fees 10.825 83 

Taxes 2.559 19 

All other payments and expanses, 82,719 20 



Actual cash expenditures , $205,988 34 



VI. MISCELLANEOUS. 

Premiums. 

Risks in force, $14,082,443 00 $123,775 79 

Premiums and inspections received since the organization of the 

Company, 771.800 01 

Losses paid since the organization of the Company, 42,-880 74 

Cash dividends paid stockholders, 57,250 00 

Stock owned by directors at date, 90,840 00 

Dividends declared and endorsed on stock notes, 90,000 00 

Number of boilers under care of the Company, 8, 270 

7 



MUTUAL FIRE 
INSURANCE COMPANIES OF THIS STATE. 



ABSTRACTS COMPILED FROM THEIR ANNUAL STATE- 
MENTS, SHOWING THEIR CONDITION OX THE 
31st DAY OF DECEMBER, 1874. 



DANBURY MUTUAL FIRE INSURANCE COMPANY. 

Danbury, Conn. 

Commenced Business 1850. 

Frederick S. Wildman, President. William S. Peck, Secretary. 



I. ASSETS. 

Par Value. Market Value. 

Town of Danbury note $200 00 $ 200 00 

" 700 00 700 00 

" 700 00 700 00 

" 1,000 00 1,000 00 

■' 1,000 00 1,000 00 

" 4,000 00 4,000 00 

" 500 00 500 00 



$8,100 00 

Cash in the office of the Company, ,. 433 06 

Deposited in Savings Bank of Danbury, 2,318 07 

" " " 499 05 

2,817 12 



Gross assets, except premium notes, $11,350 18 

Premium notes held by the company (being 259 in number,) 
which are liable to future assessment for payment of claims, 
deducting the amount already assessed or collected thereon, $7,918 75 

III. INCOME. 

Gross cash received for premiums, $649 18 

Deduct re-insurance and return premium 15 52 



Net cash received for premiums, $633 66 

Gross cash income received during the year, $633 66 

IV. EXPEND1TUKES. 

Net amount paid during the year for losses, $237 00 

Paid for commissions and brokerage, 64 87 

All other payments and expenditures, 69 34 

Gross expenditures during the year, $371 21 



54 KUTUAL FIKE [NBURAN 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year $803,151 00 

Premiums or deposit notes liable to assessment received on out- 
standing risks 7.918 75 

Amount of risks outstanding on property located in Connecticut. 303,151 00 

Risks written during the year, located in Connecticut 1: 3,291 00 

Amount of risks terminated during the year 1 :i'. >.41 1 00 

Losses occurring during the year on risks in Connecticut 237 00 

Premiums received during the year on risks in Connecticut 619 IS 



FARMERS MUTUAL FIRE INSURANCE COMPANY. 
Suffield, Conn. 
Commenced Business 1853. 
William L. Loomis. President. Wtt.t.tam H. Remington, Secretar 



I. ASSETS. 

Town of Suffield note, $200 00 

Cash in the office of the Company 160 24 

Deposited in Savings Bank of Suffield, 600 00 

Interest due and accrued, t 2-5 00 

Gross assets, except premium notes. 

Charges on book by the company, which are liable to future 
assessment for payment of claims, deducting the amount already 
assessed or collected thereon. $116,098 00 

II. LIABILITIES. 

Due and accrued for State and local taxes, S7 20 

III. INCOME. 

Net amount of cash premiums, $1, 052 52 

Interest and dividends 21 00 

Gross amount of income, 1,073 52 

Amount of premium liens liable to assessment $2,488 00 

IV. EXPENDITURES. 

N.-t amount of losses for the year, $l<> 00 

Paid or allowed for Salaries, fees. Arc. 132 50 

Paid for Srate, and local, taxes 50 

All other payments and expenditures, 37 75 

Gross expenditures during the year $180 7=> 



COMPANIES OF TIJtf STATE OF CONNECTICUT. 55 

IV. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, $950,317 00 

Charges on book liable to assessment on outstanding risks, , 110,098 00 

Amount of cash deposits received on outstanding risks, 3,000 00 

Amount of risks outstanding on property located in Connecticut,. 950,317 00 

Risks written during the year, located in Connecticut, 214,481 00 

For a shorter term than one year, 1,000 00 

For a term of more than one and not more than three years. 2,000 00 

For a term of more than three years, 211,481 00 

Amount of risks terminated during the year. 222,650 00 

Losses during the year on risks of the Company, 10 00 

Losses oscuring during the year on risks located in Connecticut, 10 00 

Premiums received during the year on risks in Connecticut, 1.052 52 

Canceled premiums during the year 4.044 00 



FARMERS MUTUAL FIRE INSURANCE COMPANY, 

WOODBUB Y. ( ! ON N. 

Commenced Business 1874, 
Walter S. Curtiss. President. David S. Bull. Secretary. 



I. ASSETS. 
Premium notes held by the company (being 9 in number. ) which 
are liable to future assessment for payment of claims, deduct-, 
ing the amount already assessed or collected thereon $133 00 

III. INCOME. 
Premium or deposit notes liable to assessment received., ,. $138 00 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, $6,G50 00 

Premium or deposit notes liable to assessment received on out- 
standing risks, 133 00 

Amount of risks outstanding on property located in Connecticut. 0.050 00 

Risks written during the year, located in Connecticut, 

For a term of more than one and not more than three years, 6,650 00 



56 MUTUAL FIRE INSURANCE 



FARMINGTON VALLEY MUTUAL FIRE INSURANCE 
COMPANY. 

Farming-ton, Conn. 

Commenced Business Jan. 31, i*."<4. 
Augustus Ward. President. Richard H. Gay, Secretary. 



I. ASSETS. 

Cash in the office of the Company >~".~ 10 

Deposited in the Farmington Savings Bank .7 15 



Gross amount of asset a 554 25 

Premium notes held by the Company (being 87 in number.) which 
are liable to future assessment for payment of claims, deduct- 
ing the amount already assessed or collected thereon 9,074 68 

II. LIABILITIES. 
Due and accrued for State and local taxes, and fees $21 4<> 



Gross liabilities. $21 40 

III. INCOME. 

Gross cash received for premiums. $135 98 

Deduct re-insurance and return premium. 40 

Net cash received for premiums 

Interest and dividends from all other sources 

Gross amount of income. 

Amount of premium or deposit notes liable to assessment 

! V. EXPENDITURES. 

Paid or allowed for salaries, fees. &c 

Paid for State and local taxes, 

All other payments and expenditures 

penditures during the year $46 04 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year $74,388 00 

Premium or deposit notes liable to assessment received ' on out- 
ling risks 9,074 68 

3 written during the year, located in Connecticut 8,400 00 

Amount of risks terminated during the year 1,850 00 

Premiums received during the year on risks in Connection!, 119 98 



613.-, 


58 


1S3 


01 


$318 


59 


1,072 


00 


$16 


00 


20 


04 


10 00 



COMPANIES OF THE STATE OK CONNECTICUT. 57 



GREENWICH MUTUAL FIRE INSURANCE COMPANY. 

Greenwich, Conn, 

Commenced Business. November, 185"). 

Thomas A. Mead, President. John Dayton, Secretary. 



8500 


00 


6,143 


68 


325 


70 


102 


63 


100 00 



I. ASSETS. 

Cash loaned by the Company, secured by mortgage of real estate 

All other cash loans made by the Company, 

Cash in the office of the Company, 

Interest due and accrued on the foregoing investments and assets 
All other property belonging to the Company, 

Gross assets, except premium notes. $7,172 07 

Premium or deposit notes held by the Companj^, (being 230 in 
number), which are liable to future' assessment for payment of 
claims, deducting the amount already assessed or collected 
thereon 19,418 52 



II. LIABILITIES. 

Losses adjusted and unpaid, ^11 80 

Gross premiums received in cash or notes, $3,055 00 

Due and accrued for State and local taxes, ,. 52 16 

All other demands against the Company, 107 09 



Gross amount of liabilities $264 0" 



III. INCOME. 

Amount of cash received for premiums, $958 89 

Deduct re-insurance and return premiums, 18 35 



Net cash received for premiums, $935 54 

Interest received on mortgages of real estate, 35 (0 

Interest and dividends from all other sources, 458 11 

Gross cash income t28 65 



Amount of premium or deposit notes liable to assessment, $6,242 50 





00 


1 54 1 




52 


L6 


25 


00 


; ■_ 





MUTUAL FIKK INSUKANCK 

IV. EXPEND! 

X amount of 

Paid or allowed for > 

Paid for national, State andlo al taxes 

Paid for rents 

All other payments and expenditures 

Gross cash expenditures $2,219 2."> 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year 

Premiums or deposit notes liable to assessment received on oat- 
standing risks 1!». 4 

Gash deposits received on outstanding risks. 55 <>n 

outstanding on property located in Connecticut, 

Risks written during the year. 121,1 

For a shorter term than one year. 

For the term of one year 23.350 00 

For a term of more than one and not more than three years. 40.'.' 

For a term of more than three years 

Risks terminated during the year, 65,790 00 

Losses occurring dn ing the year on risks. 1,714 B0 

Premiums received during the year on risks. 



COMPANIES OF THK STATE OF CONNECTICUT. 59 



HARTFORD COUNTY MUTUAL FIRE INSURANCE 
COMPANY. 

Hartfokd, Conn. 

Commenced Business, 1832. 

Waltkb H. Havens, President. Wm. A. Euving, Secretary. 



18,300 00 



I. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value, 
U. S. and State Stocks : — 

United States 5-20 s, $5,000 00 $5,850 00 

United States 6's, 1881, 5,000 00 5,900 00 

Connecticut. 15,000 00 15,450 00 

Connecticut, untaxable, 5,000 00 5,100 00 

Municipal, Bonds : — 

Hartford City Water, : 30,000 00 29,400 00 

" scrip, 1,001! 00 980 00 

Town, (for Conn. W. E. R.,) 12,000 00 >_ 

V. R. R.,) 6,000 00) 

'• War, 1,000 00 980 00 

West Middle School District, H'tf'd 10,000 00 10,000 00 

Middletown City Water, 14,000 00 12,000 00 

Wallingford Town, 4,000 00 3,880 00 

Railroad Bonds: — 

Conn. W. 11. R., 2,000 00 1,400 00 

Harlem River & Portchester R. 11.,... 10,000 00 10,300 00 

Bank Stocks : — 

Hartford National. Bank 7,100 00 11,360 00 

Phoenix National Bank, 1,500 00 2,355 00 

American National Bank, 4,000 00 5,440 00 

Charter Oak National Bank, 400 00 528 00 

Miscellaneous : — 

Bills receivable 357 25 357 25 



Total, $133,357 25 $140,240 25 $140,240 25 

Cash in the office of the Company, 113 95 

Deposited in Hartford National Bank, 24,021 57 

Due from agents for premiums collected and in course of trans- 
mission, 5,834 82 

Due and not included in the preceding items, for premiums un- 
paid and in course of collection, 159 37 



Gross Assets, $170,309 96 

Amount of premium or deposit notes held by the Company, which 
are liable to future assessment for payment of claims, deduct- 
ing the amount already assessed or collected thereon, $2,229,922 81 



C)0 MM JAL FIRJE ENSUKANCK 

II. LIABILTl 

Losses adjusted and unpaid, including interest thereon, 500 00 

a reported and unadjusted, 2,6( 

Losse 

Gross preminms on outstanding risks $111,496 00 

Re-insurance fund taken at 50 per cent.. 5S 748 07 

Taxes due or accrued 1,040 32 

All other demands against the Company. 400 00 

Gross amount of liabilities, $64,9£ 

III. INCOME. 

Amount of cash received for premiums, $40,038 77 

Deduct return premiums, 3,504 49 

Net cash premiums. $36,534 28 

Interest and dividends from all other sources, 9,743 72 

Gross cash income, 

Amount of premium or deposit notes liable to assessment, $730,6* 

IV. EXPENDITURES. 

Net amount paid during the year for losses, $22 998 27 

Commissions or brokerage, ~ 97 

Salaries, fees. &c 00 

Paid for state, national, and local taxes, 

Paid for rents, 800 00 

All other payments and expenditures, '.'77 90 

Gross amount of expenditures. $35,320 02 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, $22, ( 

Premium or deposit notes liable to assessment received on out- 
standing risks, 2,229,92 

Risks written during the year, located in Connecticut 7,118,086 7.~> 

For the term of one year, 73,51 

For a term of more than one and not more than three years, 7,039,526 76 

Losses occurring during the year on riskfc ■ 27.078 37 



COMPANIES OF THE STATE OF CONNECTICUT. 61 

[Report from Harwinton Mutual Fire Insurance Company not being received in time to go 
in in order, it will bo found following the Windham County Mutual.] 

LITCHFIELD MUTUAL FIRE INSURANCE COMPANY. 

Litchfield, Conn. 

Commenced Business, 1833. 

Jason Whiting. President. Charles Adams, Secretary. 



I. ASSETS. 
Stocks and Bonds owned by the Company. 
U. S. and State Stocks : — 

Par Value. Market Value. 

United States bonds. $13,500 00 $14,374 00 

State of Missouri bonds, 2,000 00 1,010 00 

Municipal Bonds and Miscellaneous : — 

City of Hartford bonds, 2,000 00 2,000 00 

Bridgeport " 1,000 00 973 00 

New Briiain, " 2,000 00 2,000 00 

Promissory notes, 15.710 00 15,740 00 

Litchfield county order, 23 50 23 50 

Town orders, 2,800 00 2,800 00 



$39,063 50 $39,820 50 $39,820 50 

Cash loaned by the Company, secured by mortgage of real estate, 13,706 39 

Cash in the office of the Company, 1,096 40 

Deposited in bank, 2,898 74 

Net amount due from agents for premiums collected, 230 1 1 

Interest due and accrued 1,673 30 



Gross assets, except premium notes, $59,425 44 

Charges on book held by the Company (being 2,900 in number,) 
which are liable to future assessment for payment of claims, 
no assessment having ever been made, §'43.256 83 

II. LIABILITIES. 

Losses adjusted and unpaid, including interest thereon, $750 00 

Losses, in process of adjustment 1,721 40 

Losses resisted, including all interest, costs, and expenses thereon, 1,200 00 

Due and accrued for state and local taxes, 405 60 

All other demands against the Company, 100 ()() 

Gross liabilities, $4,177 00 

III. INCOME. 

Gross cash received for premiums, $5, 1 89 54 

Deduct re-insurance and return premium, 21 58 



Net cash received for premiums. $5,167 96 

Interest on mortgages of real estate, 1,072 85 

Interest and dividends, T. 2, 1 76 23 

Gross amount of income, $8,417 04 



62 Ml I UAL F1BK INSURANCE 

IV. EXPENDITURES. 

N. t amount of losses for the year |2, i.". 00 

Paid for com m: brokerage .-,17 \rj 

Paid or allowed for Salaries, fees, A ■ 1,160 00 

Paid for state, ami local, taxes 415 (J3 

Paid for rents ;,u 00 

All other payments and expenditures, ].•_ ; 

Gross expenditures during the year 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year $3,713,2 

Amount of risks outstanding on property located in Connecticut. . 3.7 

Risks written during the year, located in Connecticut 1,427,11 

For a shorter term than one year. 

For the term of one year 4,150 do 

For a term of more than one and not more than three years, 1 ,6< I 

Amount of risks terminated during the year, l._ 

Losses during the year on risks of the Company 4.271 40 

Losses occurring during the year on risks located in Connecticut, 4.271 40 

Premiums received during the year on risks in Connecticut, 5,169 54 



MADISON MUTUAL FIRE INSURANCE COMPANY. 

Madison, Conn. 
Commenced Business, i B 
Geokge Down. President. A. ML Dowd. Secretary. 



I. ASSETS. 

Cash loaned secured by mortgage of real estate 

All other loans 

Cash on hand in the office of the company 

'■posited in Connecticut Savings Bank 1,610 34 

In Townsend Savings Bank 72< I 81 

Due for premiums in course of collection 

Interest due or accrued on the foregoing assets .">4 GO 

seta r08 <>4 

Premium or deposit notes held by the Company, (being 300 in 
number), which are liable to future assessment for payment of 
claims, deducting the amount already assessed or collected 
thereon, 



COMPANIES OF THE STATE OP CONNECTICUT, 63 

II. LIABILITIES. 

Gross premiums on outstanding risks, $1 , 220 58 

Re-insurance fund taken at 50 per cent., $610 20 

Taxes due or accrued, 27 77 

All other demands against the Company, 23 40 

Gross liabilities of the Company, <$661 4fi 



III. INCOME. 

Net amount of cash premiums for the year, $454 75 

Interest and dividends from all other sources. 259 41 

Gross cash income, .^714 16 

Premium or deposit notes liable to assessment, $9,374 25 

IV. EXPENDITURES. 

Net amount paid during the year for losses, $225 00 

Salaries, fees and all charges against the Company, 75 75 

Paid for State and local taxes, 28 61 

All other payments and expenditures, , 14 25 

Gross cash expenditures, $343 61 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, 8280, 255 00 

Premium or deposit notes liable to assessment received on out- 
standing risks. 23,422 23 

Risks outstanding on property located in Connecticut, 280,255 00 

Risks written during the year, 69, 690 00 

For the term of one year, 2,900 00 

For a term of more than one and not more than three years,... 66,790 00 

Risks terminated during the year, 45,365 00 

Losses occurring during the year on risks, 225 00 

Premiums received during the year on risks, 454 75 



C>1 Mil UAL FIKK [NSUKANCK 



MIDDLESEX MUTUAL ASSURANCE COMPANY, 
Middle-town, Co - 
Commenced Business June 13, i 
Wit. B Galiun. P H. F. Boardman. 



i. ass:: 
Stock owned by \any. 

Value. Market \ 
U. S. and State Stocks: — ' 

United States 6's, 1881 000 00 $4,760 00 

Registered. 1865 10, 

Mfnioipal Bonds : — 

Middletown City Water 

Town, 27,500 00 27,500 00 

Middlefield " 17,500 00 17.500 00 

Portland " 15,000 00 15,000 00 

:s : — 

Bank, New York 1,000 00 1.370 00 

American Ex. Nat. Bank, ;i 5,500 00 - - 

Middlesex County ,; Middletown, 7,.v ;." 

Central " " ■••00 

Middletown " " 500 00 

First " t: 15,000 00 15,000 00 

Railroad Bonds: — 

X. Y. Central & Hudson River R. JR., 5,000 00 

Chicago & Rock Island R. R. , 5,000 00 5, 1 

N. H., M. & W. B. B., 1st mort I 

Conn. Valley R. B., " .... 10,000 00 10,000 00 

Miscellaneous : — 

People's Fire Insurance Co., " 1,400 1,40 



Total, $141,825 00 $1 

Real estate owned by the Company unencumbered. 

loaned by the Company, secured by mortgage of real estate. 
Loaned on collaterals not included in mortgages of real estate,... 

in the office of the Company 

Deposited in the First National Bank 

In the Farmers and Mechanics Sayings Bank 

In the Middletown Savings Bank 

Due from agents for premiums collected and in course of trans- 

miasion 

[nterest duo and accrued on the foregoing-investments and as 

Ghroe accept premium notes $244,710 92 

Premium notes held by the Company (being 14. So.") in number.) 
which are liable to future assessment for payment of claims, 
deducting the amount already assessed thereon $2,898,034 DO 



$141,1 


00 00 


>0 00 


1.000 00 


1,11 


10,191 53 


14,000 00 




:..-_ 





COMPANIES OF THE STATE OF CONNECTICUT. 65 

II. LIABILITIES. 

Losses adjusted and unpaid $950 00 

Losses reported and unadjusted, 500 00 

Losses resisted, 7,075 00 

Gross premiums received in cash or notes, $215,959 09 

Deduct re-insurance, 127 43 



Gross premiums on outstanding risks, $215,831 66 

Re-insurance fund taken at 50 per cent., 107,915 83 

Due and accrued for State and local taxes 1,316 44 

All other demands against the Company, 75 00 



Gross amount of liabilities, $117,832 2\ 

III. INCOME 

Amount of cash received for premiums, $68,157 53 

Deduct re-insurance and return premiums, 22,278 61 



Net cash received for premiums, $45,878 92 

Interest on mortgages of real estate, 1,164 94 

Interest and dividends from all other sources, 11,738 00 

Received for rents, ... 2,500 02 

Gross cash income $61,281 88 

Amount of premium or deposit notes liable to assessment, 532,813 00 

IV. EXPENDITURES. 

Net amount of losses for the year, $15,873 03 

Paid for commissions or brokerage, 7.541 42 

Paid or allowed for salaries, fees, &c, 6,166 68 

Paid for interest on borrowed money, premium on investments, 2,885 70 

Paid for State, national and local taxes. 1,869 55 

All other payments and expenditures, 1,695 02 



Gross expenditures during the year, $36,031 40 

V. GENERAL ITEMS. 
Amount of risks outstanding at the end of the year, (deducting 

819,500 re-insurance in other companies,) $26,202,198 75 

Premium or deposit notes liable to assessment received on out- 
standing risks, 2,898,034 00 

Amount of cash deposits received on outstanding risks, 215,959 09 

Amount of risks outstanding on property located in Connecticut, 26,202,198 75 

Risks written during the year located in Connecticut, 5,165,671 00 

For a shorter term than one year, 160, 190 00 

For the term of one year, 158,941 03 

For a term of more than one and not more than three years, 2,915,513 50 

For a term of more than three years, 1,931,026 50 

Amount of risks terminated during the year, , 3,182,339 59 

Losses during the year on risks of the Company, 25,298 11 

Losses occurring during the year on risks located in Connecticut, 25,298 11 

Premiums received during the year on risks in Connecticut, 68,157 53 



6tf 



MUTUAL FIRE INSURANCE 



K>rt from Na ntual Fire [ne ira 

in in order, 11 will be Eonnd following the Harwiuton Mutual.] 



NEW LONDON COUNTY MUTUAL FIRE INSURANCE 

COMPANY. 

RWICH, CONN. 

Commenced Business, July, 1810. 
Ebenezer F. Parker, President. John L. Devotion, Secretary. 



I. ASSE 
Stocks and Bond* owned by the Company. 



Par Value. 
Bank Stocks : — 

Hanover National Bank New Xbrk$5,000 00 

4,000 00 
4,000 00 
3,000 00 
2.-1U0 00 
2,000 00 
2,000 00 
2,000 00 
1,500 00 
1.000 00 
1,000 00 

1,000 00 
1,600 oo 

-100 00 



American Ex. Nat. Bank 
National Park Bank, 
Dry Goods Bank, 
Merchants Ex. Nat. Bank, 
Nat. Bank Commerce, 
Corn Exchange Bank, 
Nassau Bank, 
Continental Nat. Bank, 
St. Nicholas Nat, Bank, 
Nat Bk. Stale of N. Y., 

k of America, 
Metropolitan Nat. Bank, 
Shetucket Nat. Bank, 
Merchants Nat. Bank, *' 

Miscellaneous : — 

Great West Marine Ins. Co.,N.Y. 
Norwich City Gas Company, 



Norwich 



1.2(M MO 
9,550 00 



Market Value. 

000 00 
4,560 00 
5.760 I 
3,0 10 00 

2,52 > co 

'o 00 
2,500 00 

2,100 00 
1,4: 

l.< 70 00 
1,100 oo 
1,500 00 
1,£G I 00 
1.700 00 
400 00 

1,200 00 
10,98 



Total, $42,650 00 : 77 50 818.077 50 

Deposited in Shetuckot National Bank 389 43 

Chelsea Sav. Bk. Norwich, 5 000 00 

Norwich Savings Society 5,C03 00 

Nel amount due from agents for premiums collected and in course 
of transmission, 

Gross assets, except premium notes, $60,030 67 



COMPANIES OF THE STATE OF CONNECTICUT. (57 

II. LIABILITIES. 

Gross premiums on outstanding risks $6,554 90 

Re insurance fund taken at AG percent, ^'77 45 



Gross liabilities, $3,277 45 

III. INCOME. 

Amount of cash received for premiums £3,435 30 

Deduct re-insurance and return premiums, 1G1 82 

» 

Net cash received for premiums $3,273 48 

Interest and dividends, 3,598 41 

Gross cash income, &0,871 89 

IV. EXPENDITURES. 

Net amount of losses for the year, $225 32 

Paid for commissions or brokerage 442 20 

Paid or allowed for salaries, fees, &c 900 00 

Paid for State, national and local taxes, 405 14 

All other payments and expenditures, 612 77 

Gross expenditures during the year, $2,585 43 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year $1,039,131 00 

Amount of cash deposits received on outstanding risks.. 6,554 90 

Amount of risks outstanding on property located in Connecticut, 1,019,131 00 

Risks written during the year located in Connecticut 625,728 00 

For a shorter term than one year 3,530 00 

For the term of one year, 327,500 00 

For a term of more than one and not more than three year's, 213,303 00 

For a term of more thair three years, 84,575 00 

Amount of risks terminated during the year, 483,947 00 

Premiums received during the year on risks in Connecticut, 3,370 29 



68 MUTUAL FIRE INSURANCE 



NORWICH MUTUAL ASSURANCE COMPANY. 

Norwich, Conn. 
Commenced Business, 1794. 

Hen by B. Tracy, Secretary. 



I. ASSETS. 

Stocks and Bonds owned by the Company. 

Far Value. Market Value. 

United States 5-20 bonds, $1,200 00 $1,380 00 

Norwich National Bank stock, 5,700 00 5,085 00 

Merchants National Bank stock, 1,120 00 1,120 00 

First National Bank stock, 400 00 400 00 



Total, $8,420 00 $8,885 00 $8,885 00 

All other cash loans, 1,180 00 

Deposited in Bank, 729 41 



Gross assets, exceptpreniiumnot.es, $10,794 41 

II. LIABILITIES. 

Gross premiums on outstanding risks, $544 42 

Re-insurance fund, taken at 50 per cent, $272 21 

State and local taxes due and accrued, 86 G9 

All other liabilities, including unpaid dividends, 583 33 



Gross amount of liabilities, $942 23 

III. INCOME. 

Amount of cash received for premiums, $544 42 

Net cash received for premiums, $544 42 

Interest and dividends from all other sources 754 94 



Gross cash income, $1,299 36 

IV. EXPENDITURES. 

Paid or allowed for salaries, fees, &c, $200 00 

Paid for State and local taxes, 86 69 

All other payments and expenditures, 15 00 

Gross expenditures during the year $301 69 

V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, $209,389 00 

Amount of risks outstanding on property located in Connecticut, 209,389 00 

Risks written during the year located in Connecticut, 209,389 00 

For the term of one year, 209,389 00 

Amount of risks terminated during the year, 209,389 00 

Premiums received during the year on risks in Connecticut 544 \'l 



Companies of the state of Connecticut. 69 



ROCKVILLE MUTUAL FIRE INSURANCE COMPANY. 

Rockville, Conn. 

Commenced Business, September 7th, 1869. 

George Maxwell, President. Lebbeus Bissell, Secretary. 



I. ASSETS. 

Loaned on collateral, not including mortgages of real estate...... i $1,000 00 

Deposited in Rockville National Bank, 36 09 

Gross assets, $1,036 09 

Premium or deposit notes held by the Company, (being 92 in 
number,) which are liable to future assessment for payment of 
claims, deducting the amount already assessed or collected 

thereon $3,100 69 

II. INCOME. 

Net cash premiums, i $220 36 

Interest on mortgages on real estate, 87 81 

Gross cash income, i ; ... $308 17 

Amount of premium or deposit notes liable to assessment, . ..; $962 85 

III. EXPENDITURES, 

Paid for commissions or brokerage, $33 05 

All other payments and expenditures, 48 58 

Gross amount of expenditures, $81 63 

IV. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, $103,425 00 

Premium or deposit notes liable to assessment received on out- 
standing risks, 3,100 69 

Risks outstanding on property located in Connecticut, 103,425 00 

Risks written during the year, 32,550 00 

For a shorter term than one year, 800 00 

For the term of one year, 2,950 00 

For a term of more than one and not more than three years 28,800 00 

Amount of risks terminated during the year, 24,700 00 

Premiums received during the year on risks, 220 3<; 



MUTUAL FIKH [NSU RANCH 



STATE MUTUAL FIRE INSURANCE COMPANY. 

Hartford, Conn. 

Commenced Business October, I 
Ralph Gill-ett. President. Cross Jr., Secretary. 



I. ASSETS. 

Stocks and Bonds oicned by the Company. 

Par Value. Market Value. 

Oily of Hartford water bonds $6,000 00 $0,000 00 

Indiana Central R. R. bonds 1.000 00 1,000 00 

Connecticut Western B. R. bonds 1,00 : 00 

X. Y . N. H.. & Hartford R. R.. stock.... 1.000 00 1,883 00 

Hartford City Gas Co., stock 7;,0 00 > 00 

National Exchange Bank stock, 650 00 B12 50 

Mercantile National Bank stock, 1.000 00 1.230 00 



Total $11,400 00 $12,307 50 $12,307 : 

I >aned by the Company secured by mortgage of real estate. 

in the office of the Company, l.i" 

C tab deposited in National Exchange Bank 1,3 

Dae from agents and in conr.se of transmission 

Premiums unpaid m course of collection 445 06 

Interest due or accrued on the foregoing 40 00 

All other property belonging to the company, 



Gro except premium notes, $18,029 13 

Premium liens held by the company which are liable to future as- 
sessment for payment of claims, deducting the amount already 
assessed or collected thereon, £48, 008 00 



II. LIABILITIES. 

Gross premiums received in cash or notes. I 23 

Deduct re-insurance 220 08 

emiums on outstanding risks I 15 

Re-insurance fund, taken at 60 per cent $11,800 57 

Premiums »nrrendered policies loo 00 

Due for State and local taxes 132 55 

->s amount of liabilities $12,033 12 



COMPANIES OF THE STATE OF CONNECTICUT. 71 

III. INCOME. 

Amount of cash received for premiums, $13,668 00 

Deduct return premiums and re-insurance, 691 86 

Net cash receive:! for premiums, $12,976 20 

Interest on mortgages of real estate 80 00 

Interest and dividends from all other sources, 864 45 

Extra cash premium, 22 36 

Gross cash income during the year, $13,943 01 

Amount of premium or deposit notes liable to assessment, $25,952 40 

IV. EXPENDITURES. 

Net amount of losses for the year .$3,582 76 

Paid for commissions or brokerage, 1.29G 55 

Paid or allowed for salaries, fees. &c 2,007 07 

Paid for State, national and local taxes....... 105 32 

Cash premiums returned during the year, 1,353 09 

All other payments and expenditures 790 83 

Gross cash expenditures duri ng the year, $9, 79(5 22 



V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, $3,322,590 00 

Premium liens liable te assessment received on outstanding risks, 48.008 00 

Amount of risks outstanding on property located in Connecticut, 3,322.596 00 

Risks written daring the year located in Connecticut 1. 778,331 00 

Amount of risks terminated during the year 1,426,092 00 

Losses during the year on risks of the Cora Many, 3, 582 76 

Losses occurring during the year on risks located in Connecticut, 3,582 70 

Premiums received during the year on risks in Connecticut, 13.008 06. 



MUTUAL FIRE INSURANCE 



TOLLAND COUNTY MUTUAL FIRE INSURANCE 
COMPANY. 

Tolland, Conn, 

Corurnenced Business, 1828. 

Lucius S. Fuller. President. John B. Fuller. Secretary. 



I. ASSETS. 

Stock* and Bonds oicned by the Company. 

Par Value. 3Iarket Value. 

Tolland County National Bank, 80.000 00 $6,000 00 

Rockville National Bank, 00 8,600 00 

First National Bank, Rockville, 10 ; 000 00 11,200 00 

Stafford National Bank 7,600 00 7,980 00 



Total 832.200 00 833,780 00 833,780 00 

Real Estate owned by the Company unencumbered 700 00 

Cash loaned by the Company, secured by mortgage of real estate. 43,035 00 

Loaned on collaterals not included in mortgages of real estate,... 300 00 

All other loans made by the Company, 2,410 46 

Deposited in Tolland County National Bank 18,266 65 

Interest due or accrued on foregoing investments 525 76 

Gross assets except premium notes $94,022 ^7 

Premium or deposit notes held by the Company, (being 6,981 in 
number), which are liable to future assessment for payment of 
claims, deducting the amount already assessed or collected 

thereon 8347,333 16 



II. LIABILITIES. 

Gross premiums on outstanding risks $86,883 29 

Re-insurance fund taken at .">0 per cert , $43 416 64 



Gross amount of liabilities $43,416 64 



COMPANIES OF THE STATE OF CONNECTICUT. 



73 



III. INCOME. 

Amount of cash received for premiums, 

Deduct re-insurance and return premiums, 



Net cash received for premiums. 

Interest on mortgages of real estate, 

Interest and dividends from all other sources, 



11,245 96 
1,638 98 



Gross cash income, 

Amount of premium or deposit notes liable to assessment, 



$29,606 98 
3,126 77 
3,230 57 

835,961 32 

$121,231 76 



IV. EXPENDITUKES. 



Net amjunt of losses for the year, , 

Paid for Commissions or brokerage,.... 
Paid or allowed for salaries, fees, &c.,.. 
Paid fo. State, national and local taxes, 
All other payments and expenditures. ... 



Gross cash expenditui'es, 



$7,119 


44 


4,562 


66 


2,360 


96 


565 


71 


825 


44 



$15,161 21 



V. GENERAL ITEMS. 



Amount of risks outstanding at the end of the year, $9,825,791 00 

Premium or deposit notes liable to assessment received on out- 
standing risks 347,333 16 

Risks outstanding on property located in Connecticut, 9.825.791 00 

Risks written during the year, 3, 275, 138 00 

For a shorter term than one year, 51,821 00 

For the term of one year, 611.015 00 

For the term of more than one and not more than three years, 1,208,480 00 

For a term of more than thre i years, 1,370,822 00 

Amount of risks terminated during the year, 2,777,932 00 

Losses during the year on risks of the Company, 7,119 14 

Losses during the year on risks located in Connecticut, 7,149 44 

Premiums received during the year, 31.245 96 

10 



,-[ MUTUAL FIRE INSURANCE 



WINDHAM COUNTY MUTUAL FIRE INSURANCE 
COMPANY. 

Bbooxlyn', Conh. 
Commenced Business. 1826. 

A. H. Stores, President. Jonx Palmer. Secretary. 



I. ASSETS. 



Stocks and bonds owned by the Company, 841.352 00 

Cash in the office of the Company 18 15 

Deposited in the Windham County National Bank 1.728 60 

Due from agents for premiums collected and in course of trans- 
mission, i 1,010 10 

Gross assets, except premium notes, $44,108 85 

Premium or deposit notes held by the Company, which are liable 
to future assessments for payment of claims, deducting the 

amount already assessed thereon 8244.014 80 



II. LIABILTIES. 

Gross premiums i*eceived in cash or notes, $48,802 96 

Re-insurance fund taken at 50 per cent, 24.401 48 

Losses adjusted and unpaid 83 350 00 

Gross amount, of liabilities 8^7,751 48 



III. INCOME. 

Amount of cash received for premiums, ^12J>7*.» 10 

Deduct return premiums and re-insurance 800 10 

Net amount of cash premiums $11,879 06 

st and dividends from all other sources 2,942 08 

- and transfers ,.• 62') 10 

tss amount of income ■.■■■ 815,451 14 

Ann Kit of premium notes liable to assessment actually received 8 | "--861 45 



COMPANIES OF THE STATE OF CONNECTICUT. 75 

IV. EXPENDITURES. 

Net amount of losses for the year. $10,580 00 

Paid or allowed for commissions or brokerage, 2,005 82 

Paid or allowed for salaries, fees, &c, 1,813 95 

Paid for State, national and local taxes, 312 43 

Paid for rents, 100 00 

All other payments and expenditures, 288 45 

Gross expenditures during the year,, $15,100 65 



V. GENERAL ITEMS. 

Amount of risks outstanding at the end of the year, $6,203,911 00 

Premiums or deposit notes liable to assessment received on out- 
standing risks, 244.014 80 

Risks written during the year located in Connecticut, 1,536,005 CO 

For the term of one year, 113,265 00 

For a term of more than one and not more than three years, 327,560 00 

For a term of more than three years, 1,01)5,180 00 

Amount of risks terminated during the year, 1.736,574 00 

Losses during the year on risks of the Company, 13,950 00 



HAKWINTON MUTUAL. (a) 76 



HARWINTON MUTUAL FIRE INSURANCE COMPANY. 

HARWINTON, CONN. 

Commenced Business July, 1856. 
Hart Barker, President. Addison Yv'ebster, Secretary. 



I. ASSETS. 

Cash in the office of the Company, $15 00 

Premium notes held by the company (being 193 in number.) which 
are liable to future assessment for payment of claims, deduct- 
ing the amount already assessed or collected thereon, 8,642 11 

II. LIABILITIES. 

Whole amount (including interest) due or to become due $612 00 

Gross premiums received in cash or notes, $8,612 11 

Gross premiums on outstanding risks, ..". $8,612 11 

Due and accrued for State and local taxes, 11 

Gross amount of liabilities $612 11 

III. INCOME. 

Gross amount of income. $21 00 

Amount of premiums or deposit notes liable to assessment,. 863 00 

IV. EXPENDITURES. 

Gross expenditures during the year for losses. $10 00 

Taxes 11 



V. GENERAL ITEMS. 

Risks outstanding at the end of the year all in Connesticut. $197,208 00 

Premium or deposit notes liable to assessment received on out- 
standing risks, 8,000 00 

Risks written daring the year, all located in Connecticut, 21.230 00 

For a term of more than three years 197,208 00 

Risks terminated during the year, (all re-insured), 20,075 00 

Losses during the year on risks of the Company, 10 00 

Amount of assessments laid during the year on premium or de- 
posit notes. 612 00 

Losses in fifteen years, 1,900 00 



76(b) NATOATUCK VALLEY MUTUAL. 

. NAUGATUCK VALLEY MUTUAL FIRE INS. CO., 

ANSONIA. ' 

('ominenced Business, 1871. 
J. H. Bartholomew. President. Jno. L. Lindlky. Secretary. 



I. ASSETS. 
Cash value of stocks, securities, and bonds owned by the Company $2,000 00 

Loaus secured by mortgage 

Deposited iu the Ans, )iiia National Bank 513 76 

Due the Company from agents for premiums collected 386 69 

Interest due and ace-rued 83 00 

All other property owned by the Company 25,4 

Gross amount of assets $28,921 7o 

II. LIABILITIES. 

Losses resisted. $500 00 

Gross premiums received in cash or notes, ^ ; !'.~>ii7 12 

Deduct re-insurance. 4o.~> <>!> 

Gross premiums on outstanding risks, $9,102 o:i 

Re-insurance fund taken at 50 percent, 4,551 <>l 

Gross amount of liabilities.... §5,051 01 

III. INCOME. 

Amount of cash received for premiums ^1,429 7+ 

Deduct re-insurance and return premiums 32 40 

Net cash received for premiums :>7 34 

Interest and dividends from all other sources 246 00 

Gross cash income 

IV. EXPENDITURES. 

Paid for commissions or brokerage $2 

Paid or allowed for salaries, fees. &c 1~>6 50 

Taxes, 50 

All other payments and expenditures 202 28 

Gross expenditures during the year $568 88 

V. GENERAL ITEMS. 
Amount of risks outstanding at the end of the year, idedu 

24 00 re-insurance in other companies,) all in Connecticut.. . $1,286,314 00 

Risks written during the year i of which all lo sated in Connecti - 1 ,08 1 00 

For a shorter term than one year 1,501 

For the term of one year 20,715 00 

For a term of more than one and nor more than t 1 

For a term of more than three years 82,802 00 

Amount of risks terminated during the year, 14.7."ii; 00 

Premiums received during the year on risks in Connecticut 1,429 74 



FIRE AND FIRE AND MARINE 
INSURANCE GO'S OF OTHER STATES. 



ABSTRACTS COMPILED FROM THEIR ANNUAL STATE- 
MENTS, SHOWING THEIR CONDITION ON THE 
3 1st DAY OF DECEMBER, 1874. 



AGRICULTURAL FIRE INSURANCE COMPANY. 

Watebtown, N. Y. 

Commenced Business February 10, 1853, 

John C. Cooper. President. Isaac Muxson, Secretary. 

Attorney in Connecticut, George \Y. Hanover. Willimantic. 



I, CAPITAL. 

Capital actually paid up in cash , $200,000 00 

II. ASSETS. 

Real Estate owned by the Company unencumbered $80,023 09 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, ...,. 381,031 01) 

Interest due and accrued on bond and mortgage loans. 8,17o 23 

Total value of mortgaged premises. $1,235,1-45 00 

Stocks and Boiids owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States 5-20's. 1862. reg $17,000 00 $19,443 45 

4; 5.20's, 1864, reg 25.000 00 28,968 75 

" " 5-20's, 1865, reg 43.500 00 

1867, coup 10.000 00 

1864, coup., 19,000 00 

" " 1865, coup., 11,000 00 

" 1865, coup.. 500 00 

Tennessee 4,000 00 

Canada Domiuion, scrip, 14,500 00 

Municipal Bonds: — 

Watertown 500 00 

St. Lawrence County, N. Y 100 00 



51.275 


62 


11,82 5 


00 


22,068 


75 


12,911 


25 


586 


77 


2,800 


00 


15. 050 


00 


500 


00 


100 00 



80 FIRE AND FIRE AND MARINE INS TRANCE 

Par Value. Market Value. 
RULBOAS Bonds: — 

Rome, Watertown&O., $28,000 00 $27,880 00 

Framingham ftLoweU, 2,000 2,000 00 

Utica. Clinton A II 1,<XX 1,000 00 

Mcil Bluffs A: St. Jo 5,000 00 h) 00 

Union Pacific 1,000 00 ".'In 00 

Eailroax* Stocks: — 

Rome, Watertown & O., 45,900 00 41,310 00 

STOCK8 : — 

National Union Bank 2,000 00 2.100 00 

Merchants Bank, 2.000 00 2,100 00 

Security Bank. 15,000 00 15,750 00 

Miscellaneous : — 

Davis Sewing Machine Co 19,000 00 19 000 00 

National Trust Co 15,000 00 15,000 00 

Total $281,000 00 $298,474 59 



8298.474 59 



Loans on Collateral. 



Par 

Value. 



Homestead Fire Ins. Co $1,700 00 

Watertown Fire Ins. Co., 8,500 00 

Bonds and Mortgage 9,000 00 

II.. W. & O. R. II 4.000 00 

Davis Sewin: Machine Co.... 12.000 00 

ted States 4.700 00 

Bond and Mortgage 1.000 00 

Watertown Fire Ins. Co...... 3.000 00 

Tennessee 10,000 00 

Merchants Bank 23.200 00 

National Union Bank 1,100 00 

Watertown Fire Ins. Co 2,000 00 

V.. 0. A B. It. R 2,000 00 

Black River Ins. Co 1.000 00 

Watertown Fire Ins. Co 4.000 00 



Market 
Value. 

00 

17,000 00 

00 
4,000 00 

12.000 00 
5,500 00 \ 
1,000 00 - 

coco oo J 

7,000 00 
24 360 00 
1,155 00 
4,000 00) 

) 00> 

I ()())_ 
o ooi 



Amount 
Loaned. 

6 917 65 

5 157 50 

3,000 00 

10.930 00 

7.000 00 

4,900 00 
19 840 00 

1,000 00 

3,258 16 
1 700 00 



Total |l S00 00 $108,715 00 $68,003 31 $68,003 31 

Cash in Company's principal < iffice 1 1 . r 

Cash deposit. -d in Bank 77.703 17 

Interest accrued on stocks. 1 .-623 08 

Interest accrued on collateral loans. 42 14 

Net premiums in course of collection 99.314 23 

All other property. - • 450 00 

Ghww asseta 102 77 

taction* 10,500 00 



of the Company at their actual value 



$1,019,802 



COMPANIES OF OTHER STATES. 81 

III. LIABILITIES. 

Losses adjusted and unpaid, $2,210 13 

Losses reported and unadjusted, 10,826 00 

Losses resisted, 8,800 00 



Total, $21,836 13 

Deduct re-insurance and salvage claims, 5,400 00 



Net amount of unpaid losses, $16,436 13 

lie-insurance on lire risks, one year or less, $31,025 96 

Re-insurance on risks more than one year, 674,091 28 



Amount required to re insure all outstanding risks, 705,117 24 



Total liabilities except capital stock, $721,553 37 

Capital stock, 200,000 00 

Surplus beyond capital, 98,249 40 



Total liabilities, including capital and surplus, $1,019,802 77 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, $537,083 25 

Deduct re insurance, rebate, abatements and re- 
turn premiums, 69,511 13 



Actual cash premiums', $467,572 12 

From interest on loans and dividends on stocks and bonds, 30,073 71 

From Rents, 2,874 52 



Actual cash income, .* $500,520 35 



V. EXPENDITURES DURING THE YEAR. 

Net amount paid for losses during the year, $283,676 48 

Cash dividends, 20,000 00 

Commissions or brokerage, ... 90,123 47 

Salaries and fees,. 63.395 38 

Taxes, 8,599 00 

All other payments and expenses, 15,613 70 



Actual cash expenditures, $481,408 03 



VI. MISCELLANEOUS. 

Fire. PremiumB. 

Risks in force having more than one year to run, .$78,708,530 00 $446,202 83 

Having more than one and not more than three 

years to run, 133,463,148 00 891,746 30 

Having more than three years to run, 2,372,222 00 31,585 49 



$214,543,900 00 $1,369,534 62 
11 



82 FIH K A N D KM: K A N I » M Ut] N K INSUKA N C K 

Premiums received since the organization of the Company $3,09G,416 96 

s paid since th< tion of the Company 1,556,157 I 

i dividends paid stockholders 200,000 00 

owned by directors ai date, 790 00 

Stock dividends declared, 

Loaned to officers and directors 83,728 10 

Loaned to stockholders not officers, 27/5 15 

Business in ' 1874. 

Fire risks taken, $5,348,240 00 

Premiums received on same 30,965 97 

Losses paid, 3,3+5 66 



ALLEMANNIA FIRE INSURANCE COMPANY. 

PITTSBURGH, PENN. 

Commenced Business July, L868. 
Robebt C. Schmertz, President. Chas. F. Hkrbosee, Secretary. 

Attorney in Connecticut, George S. Lester, New Haven. 



I. CAPITAL. 
Capital actual paid up in cash, $200,000 00 

II. ASSETS. 
Loans on bond and mortgage, (first liens) not more than one 

year's interest due $280,858 59 

Loans on bond and mortgage, (first liens) more than one year's 

interest due 26,000 00 

Interest due and accrued on bond and mortg ige Loans 8,417 59 

Value c^ buildings mortgaged (ins. for $2105 700) $873 400 00 

Cash in Company's principal office 4,581 !'•"> 

Cash. deposited in Bank 83,10« 99 

3t on bank deposits 1,675 <><) 

Ne1 Premiums in course of collection, 13,781 92 

Assets of the Company at their actual vol no .'JUS. 420 .".4 



COMPANIES OF OTHEK STATES. .1 

III. LIABILITIES. 

Looses adjusted and unpaid, $4,652 80 

Lasses reported and unadjusted, 3,200 00 

Losses resisted. 5,643 2(5 

Total, $13,496 06 

Re-insurance on "fire risks, one year or less, $163,342 60 

Ee insurance on risks more than one year 25,184 96 



Amount required to re-insure all outstanding risks 188,527 56 

Taxes and assessments 3,500 00 



Total liabilities, except capital stock, $20,5,523 02 

Capital stock, 200,000 00 

Surplus beyond capital. 42,896 72 



Total liabilities, including capital and surplus, $448,420 34 

IV. lis COME DURING THE YEAR. 

Premiums received in cash, $464,450 80 

Deduct re-insurance, rebate, abatements, and return 

premiums, 81,382 04 



Actual cash premiums, $383, 008 16 

From interest on loans and dividends on stocks and bonds. 20,435 04 



Actual cash income, $409,503 20 



V. EXPENDITURES DURING THE YEAR. 

Am'nt paid for losses, including $15,206 26 occur- 
ring in previous years, $225,545 21 

Deduct salvages &c, 4.103 20 



Net amount paid for losses, $221,382 04 

Cish dividends, 70.000 00 

Commissions or brokerage 71.728 30 

Salaries and fees, 20,905 00 

Taxes ! 8,333 83 

All other payments and expenses, 26,884 93 



Actual cash expenditures. $419,234 70 



VL MISCELLANEOUS. 

Premiums. 

Risks in force having not more than one year to 

run, $23,415,452 00 $320,08.3 20 

Having more than one and not more than three 

years to run, 3.070.007 00 43,175 22 

Having more than three years to run, 180,915 00 3,214 08 



$27,278,974 00 $373,0^ 



84 KIBE AJfD FIRE AND MARINE INSURANCE 

Premiums received since the organization of the Company, 1,157,601 29 

Losses paid since the organization of the Company, 409,856 31 

Cash uivi Lends paid stockholders, 65,000 00 

Stock dividends declared. 50,000 00 

Stock owned by directors at date, 51.400 00 

Loaned to stockholders not officers, 9,260 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland), $520,592 83 

Premiums received on same, 9,383 48 

Losses paid, 15, 949 40 



AMAZON FIRE INSURANCE COMPANY. 

Cincinnati, Ohio. 
Commenced Business October, 1871. 

Gazzam Gano, President. Bryon D. West, Secretary. 

Attorney in Connecticut, Ralph Gillett, Hartford. 



I CAPITAL. 

Capital actually paid up in cash, $500,000 00 

II. ASSETS. 

Real estate owned by the company unencumbered, 8228, 9 14 41 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 14G,782 78 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, 54,576 00 

Interest accrued on bond and mortgage loans, 15,423 81 

Value of the lands mortgaged, $366,725 00 

Buildings (insured for $66,900) 323.600 00 



$680,325 00 



COMPANIES OF OTHER STATES. 85 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States, 10-40's, registered, $125,000 00 $142,187 50 

" " 10-40's, coup, 22,300 00 25.645 00 

'" " 5-20's, " 1865, 45,500 00 54,941 25 

Alabama, 10,000 00 6,822 75 

South Carolina, 20,000 00 2,500 00 

Municipal Bonds : — 

Piqua Water Works, Ohio, 10,000 00 10,000 00 

Union County, " 1.000 00 1,000 00 

Elmore School, " 3,000 00 3,000 00 

Westwood School, " 2,000 00 2,000 00 



Total, $238,800 00 $248,096 50 $248,096 50 

Loans on Collateral. 



Par Market Amount 
Value. Value. Loaned. 

U. S. 5-20's, coupon, $25,000 00 $31,875 00 $25,000 00 




l ' 10-40's, " 20,000 00 22,750 00 20,000 00 

Consolidated St.K. K. stock, 20,000 00 20,000 00 10,000 00 
Pomeroy Iron Co 3,000 00 3,000 00^ 001700 




United States bond, 1,000 00 1,100 00) ' 




Total, $69,000 00 $78,725 00 $57,947 89 

Cash in Company's principal office and in bank, 

Premiums in due course of collection, 


$57,947 89 
63,705 71 
75,992 67 


Bills receivable, 


12,868 25 
3,690 01 


All other property belonging to the Company, 



Assets of the Company at their actual value, $908,030 03 

III. LIABILITIES. 

Losses adjusted and unpaid, $21,680 54 

Losses reported and unadjusted, 37,072 78 

Losses resisted, 24,176 44 



Total, $82,929 76 

Deduct re-insurance, 6,454 44 



Net amount of unpaid losses, $76,475 32 

Re-insurance on fire risks, one year or less $236,225 22 

He-insurance on risks more than one year, 38,540 06 



Amount required to re-insure all outstanding risks, 274,765 28 

Due and accrued forsalaries. rent &c, ."... 3,500 00 

All other demands against the Company, 1,500 00 



Total liabilities, except capital stock, $356. 240 60 

Capital stock, 500,000 00 

Surplus beyond capital, 51,789 43 



Total liabilities including capital and surplus, , $908, 030 03 



8(5 



FJRE AM) FIRE AND MA i; INK [NSURANCE 



IV. INCOME DUKIX(i THE 5TEAB. 



Pretniuins received in cash, 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 



Fire. 

'."'.;. 77o 7:' 

1*7,_! J 7 89 



Inland. 
|55,191 r,:> 

27,8 



A.otual cash premiums __' :>() >■::; :;-:, 77 

Bills and notes for unpaid premiums, 12,868 25 

From interest on bonds and mortgages, 

From interest on loans and dividends on stocks and bonds. 

From all other sources, 



$583,908 r,7 

53, 167 26 

1 1,883 94 

2,693 02 



Actual cash income, $654,9; 

Amount of premium notes on Hull risks, cash value, 12,868 25 



Total income, , 



$667,821 11 



V. EXPENDITURES DUHING THE YEAR. 

Fire. Inland. 

Am'nt paid for losses, (including $92,- 

442 13 occurring in previous years,) $312,297 73 $70,661 17 
Deduct salvage fee., 23,871 81 6,823 42 



Net amount paid for losses, -$288,125 92 $63,837 

Commissions or brokerage, 

Salaries and fees, 

Taxes, ^ 

All other payments and expenses, 



263 07 

99,701 82 

688 20 

10,802 98 

80,497 27 



Actual cash expenditures, $578,953 94 

VI. MISCELLANEOUS. 

Fire. Premiums. 
Risks in force having' not more than one year to 

run $26,747,186 00 $472,450 4 + 

Having more than one and not more (ban three 

years to run 3,281,483 00 3,780 93 

Having more than three years- to run, 605,526 CO '.». (>.'!<> 16 

634,195 00 $530,261 58 

Inland. Premium?. 

$1,067,496 00 $23,176 05 

Premiums received since the organization of the Company 2,840,318 66 

i. >sses paid since the Company organized, 1,450,472 65 

< lash dividends paid stockholders, 45,000 00 

Stock owned by directors at date. 70,720 00 

Loaned to officers and directors. 

Loaned to stockholders, not officers. 155,308 <17 



Business in Connecticut in 1874. 

Fire risks taken (no inland) $620,883 00 

Premiums received on same, 10,404 70 

Paid for taxes 159 7:! 



COMPANIES OF OTHER STATES. 87 



AMERICAN CENTRAL FIRE INSURANCE COMPANY. 

St. Louis, Mo. 

Commenced Business February, 1853. 

George T. Cram, President. James Newman, Secretary. 

Attorney in Connecticut, C. C. Kimball, Hartford. 



I. CAPITAL. 

Capital actual paid up in cash $275,000 00 

II. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States 6's, $200,000 00 $237,000 00 

" '• registered,, 50,000 00 57,000 00 

Missouri. 300,000 00 294,000 00 



Total, $550,000 00 $588,000 00 $588,000 00 

Cash in Company's principal office, „ 1,557 76 

Cash deposited in Bank, 24,172 81 

Premiums in due course of collection, 54,809 09 



Assets of the Company at their actual value, $GG8, 539 6G 

III. LIABILITIES. 

Losses adjusted and unpaid, $19,196 30 

Losses reported and unadjusted, 13. 682 35 

Losses resisted. 7,050 00 



Net amount of unpaid losses, $39,928 G"t 

Re-insurance on risks, one year or less, $209,240 41 

Re-insurance on risks more than one year 6~>, G44 20 



Amount required to re-insure all outstanding risks, 274,884 61 



Total liabilities, except capital stock, $314,813 26 

Capital stock, 275,000 00 

Surplus beyond capital, 78,726 40 



Total liabilities, including capital and surplus, $668,539 G6 



88 FIRE and FIRE AND MARINE INSURANCE 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $632,710 21 

Deduct re-insurance, rebate, abatements and return 
premiums, 79,745 V2 



Actual cash premiums, $652,964 79 

From interest on bonds and mortgages, 29,760 L6 



Actual cash income, $582,724 94 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $39,622 88 occur- 
ring in previous years.) $295,506 46 

Deduct salvage, 6,369 21 



Net amount paid for losses, $289,137 25 

Cash dividends, 11,985 00 

Commissions or brokerage, 99,266 '.'i* 

Salaries and fees, 40,541 70 

Taxes, 12,362 11 

All other payments and expenditures, 49,257 64 



Actual cash expenditures, $502,550 98 

VI. MISCELLANEOUS. 

Premiums. 

Risks in force having not more than one year to 

run, $25,573,928 00 $418,480 82 

Having more than one and not more than three 

years to run, 3,256,779 00 53,020 60 

Having more than three years to run, 3,339,959 00 G3,312 71 

$32,170,GGG 00 $534,814 13 

Premiums received since the organization of the Company, 3,219,855 21 

Losses paid since the organization of the Company, 1,947,320 00 

Cash dividends paid stockholders, 04.037 70 

Stock owned by directors at date, 16,840 00 

Stock dividends declared, 50,250 00 

Business in Connecticut in 1S74. 

Fire risks taken, (no inland) $367,952 00 

Premiums received on same, 7,102 82 

Losses paid, 3,805 74 



COMPANIES OF OTHER STATES. 



THE AMERICAN FIRE INSURANCE COMPANY. 

Philadelphia, Penn. 

Commenced Business March, 1810. 

Thomas R. Maris, President. Albert C. L. Crawford, Secretary. 

Attorney in Connecticut, I. N. Crandall, Norwich. 



I. CAPITAL. 
Capital actual paid up in cash, $400,000 00 

II. ASSETS. 

Eeal estate owned by the Company unencumbered, $150,100 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 422,730 50 

Interest accured on bond and mortgage loans, 8,331 11 

Value of land mortgaged, $306,775 00 

Value of buildings mortgaged, (ins. for $345, GOO) 029,275 00 

$930,050 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

State Stocks : — 

Tennessee new 6 per. c, $14,000 00 $8,015 00 

Tennessee old G per. c, 10,000 00 5,800 00 

Municipal Bonds : — 

City and County of Erie, Penn., 1,600 00 1,120 00 

Railroad Stocks : — 

North Pennsylvania, 5.000 00 5,200 00 

Pennsylvania 5.000 00 5,300 00 

Elmira & Williamsport, 1,000 00 005 00 

Harrisburg, Ports., Mt. Joy & Lan... 10,000 00 10.100 00 

Delaware Pt. B. Co. loan 5,000 00 4,875 00 

Little Schuylkill. R. R. & Nav. Co.,. 5,000 00 5.075 00 

D. & R. 01. & C. & A. R. R. &T. Co. 3.000 00 3,030 00 

I). & R. 01 & C. A. R, R. & T. Co. 24,000 00 24,360 00 

North Pennsylvania, 1st. Mort., 7,000 00 7,245 00 

Pennsylvania, general mortgage, 20,000 00 19,600 00 

Phila. Wilmington & Baltimore, 10,000 00 9,750 00 

12 



I-*" 



J-'IH 



AMi I IKE AND MARINE INSURANCE 



Par Value. 
MlS : ■ : — 

Phila a Turnpike $900 00 

Goal Ridge Improvement & Coal L0,000 00 

Susquehanna Canal 7,000 00 

Bchuyikil] Navigation, 1st., mori 12,000 00 

Schuvlkiil Navigation, 1882, 1,225 00 

Chesapeake A Delaware Canal 10,000 00 

Delaware Division Canal, 1st, mort, .. 15,000 00 

Lehigh Co;il & Navigation Co., L884,. 20,000 00 

Franklin Institue, Philadelphia. 2,500 00 

Am. Steamship Go. guar, by Pa. R. R 15,000 00 

Total $214,225 00 



Market '■ 

I 00 

8,000 00 

5,250 no 

10,920 00 

949 37 

I 00 

18,200 00 

19.700 00 

L.875 00 

11,700 00 

$190,759 37 $190,759 87 



i on Gollati ral. 





Par 


Market 


Amount 






Value. 


Value. 


Loaned. 




Susquehanna Canal Co. 


$5,000 00 


O ill) 


$2,751 68 




Pennsylvania R R., 


30,000 00 


81,800 00 


■o 00 




U. S. 5-20s' '65 


19,500 00 


23,010 00 


18,500 00 




Pennsylvania R. R., 


5,000 00 


5,300 00 


3,000 00 




•Am. Fire Insurance Co.,... 


3,000 00 


3,367 50 


3.100 00 




13th & 15th St. Pass.R. R. 


5.000 00 


2,5.")0 00^ 






Back Mountain Coal Co., . . 


5,000 00 


3,300 00 






Heslonville, Mantua & Fair- 






► 10,000 oo 




mount Passenger R. R... 


5,000 00 


1,850 00 




Hunt. A R. T. Mount 


6,000 00 


6,240 00 






Schuylkill Navigation Co., .. 


8,165 04 


2,880 18. 






Delaware County Nat. Bank, 


5,500 00 


6,875 00 


5,000 00 




Penn. Salt Manufg. Co...... 


10,000 00 


15,400 00 


9,000 00 




Cambria Iron Co 


25,000 00 


32,000 00 


20.000 00 




Penn. Salt Munufg. Co...... 


5,000 00 


7,700 00) 


8,000 00 




Lehigh Valley R. R. Co...... 


5,ooo oo 


6.000 oo) 






Lehigh Valley R. R. Co...... 


20,000 00 


24,000 00 


20,000 00 




Lehigh Valley 11. R. Co...... 


5,000 00 


6.000 00) 


17.000 00 




Penn. R. R. Co., 


15,000 00 


15,900 00) 






Susquehanna Canal Co...... 


8.000 00 


6,000 001 


4,000 00 




Andover Insurance Co 


2,500 00 


8,125 00i 






Penn. R. R. Co 


5,000 00 


5,300 001 


12,000 oo 




Penn. Salt Manufg. Co.,... 


5,000 00 


7.700 00) 






Lehigh Coal it Navig. Co.,. 


lo.ooo 00 


9,700 00 


>.< 00 00 
$165,351 68 






$207,665 ol $229,747 08 




♦Less not admitted by Com 










missioner, 


8,000 oo 


3,867 "><> 


3.100 00 








Total, 


$204,665 04$226,380 18 


$162,251 68 


$162,251 68 



COMPANIES OF OTHER STATES. 9L 

Bents, $41,040 83 

Cash in Company's principal office, 1,101 06 

Cash deposited in Bank 72,596 76 

Interest accrued on stocks 3,379 01 

Interest accrued on collateral loans, 3,404 ."><) 

Net premiums in course of collection, 23,417 24 

Rents due and accrued, 837 <i6 



Total $1,079,958 55 



III. LIABILITIES. 

Losses adjusted and unpaid, $2,278 23 

Losses reported and unadjusted, 13,923 25 



Net amount of unpaid losses, $16,201 48 

Re-insurance on fire risks, one year or less, $180,774 66 

Re-insurance on risks more than one year, 23,949 19 



Amount required to re-insure all outstanding risks, $204,723 85 

Amount reclaimable on perpetual fire insurance policies, 267,520 68 

Cash dividends remaining unpaid, 1,012 00 

All other demands against the Company, 3,031 38 



Total liabilities except capital stock, $492,489 39 

Capital stock, 400,000 00 

Surplus beyond capital, 187,469 16 



Total liabilities, including capital and surplus, $1,079,958 

IV. INCOME DUEING THE YEAB. 

Premiums received in cash, > $423,544 38 

Deduct re-insurance, rebate, abatements and return 

premiums, 45,419 12 



Actual cash premiums, $378,125 26 

From interest on bonds and mortgages, 25,847 10 

From interest on loans and dividends on stocks and bonds, 18,913 09 

From Rents, &c 7,783 27 



Actual cash income, $430,668 72 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for lossess, including ($27,571 11 occurring in pre- 
vious years), $177, 743 27 

Cash dividends, 30,988 00 

Commission or brokerage, 261 03 

Salaries and fees, 93,922 42 

Taxes, 14,735 64 

All other payments and expenditures, 6,313 01 



Actual cash expenditures, $323,963 37 



92 PIRK AND FIRE AND MARINE INSURANCE 

IV. MISCELLANEOUS. 

Premiums. 

Risks in force having not more than one year 

I- run $31,659,132 00 $361,549 83 

Saving more than one and not more than three 

years to ran 2,405,094 00 39,8 

Saving more than three years to run. 198,300 <»<> 5,219 83 

Perpetual risks in force and interest premiums,. 10,767,884 00 281,600 71 



$44,929,910 00 $688 - 

Premiums received since the organization of the Company, 4,619,081 47 

Losses paid sines the Company organized 3,811,667 01 

Cosh dividends paid stockholders ]. - 

Stock owned by the directors at date 17, U 

Loaned to stockholders, not officers, 3,100 0C 

Btmncts in Connecticut in 1874. 

Fire risks taken (no inland), $840,415 00 

Premiums received on same, 11,363 52 

Losses paid, 1,731 30 



ATLANTIC FIRE INSURANCE COMPANY. 

Brooklyn. Xew York. 

Commenced Business, January. 1872. 

William D. Cornell, President. John D. Cocks, Secretary. 

Attorney in < '■■'t. Judab Fbibbik, New Haven 



I. CAPITAL. 

Capital actually paid up in cash $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due $83,000 00 

Interest accrued on bond and mortgage loans 509 4-t 

Value of land mortgage.! $95,000 <"> 

Value of buildings mortgaged (ins. for $87,700j 139,000 00 

|234,000 00 



COMPANIES OF OTHER STATES. 93 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

U. S. reg. bonds. 1881 $50,000 00 $59,125 00 

U. S. reg. bonds, 1865 50,000 00 58,625 00 

U. S. coop, bonds 1865, 100,000 00 117,250 00 

South Carolina 6 per c, 20,000 00 2,400 00 

Municipal Bonds : — 

City of Richmond, Va. 8 per c 10,000 00 10,000 00 

Total $230,000 00 1247,400 00 #247,400 00 

Loans on Collateral. 

Par Market Amount 

Value. Value. Loaned. 



2,000 00 



15,000 00 



Elizabeth City N. J.. $1,000 00 8950 00>_ 

Home Life Ins. Co., 1.000 00 1,500 00) 

Atlantic Dock Co., 10,000 00 11,000 00 10,000 00 

Bank of the Republic. N. Y., 5,000 00 5,200 00 4,000 00 

Kings County 7 per c. 2.000 00 2,000 00 1.500 00 

Elizabeth City. X. J.. 7 per c. 3,000 00 2,850 00 2,000 00 

Elizabeth City. N. J. 7 per c. 4.000 00 3,800 00 3,300 00 

Del. Lackawaca & W R. R... . 15,000 00 16.350 00 >_ 

Pitts. Fort Wayne &CR.B. 2 5 2.350 00)" 

Baltimore Gas Light Co., 10.000 00 10,500 00 10,000 00 

N. Y. Guar. Indemnity Co.. 5,000 00 5.000 00 1,500 00 

Elizabeth City. N.J. 7 per c. 3.000 00 2.850 00 2.500 00 

Mechanic & Traders Bk 4,000 00 5.200 00 3,300 00 

Total, $05,500 00 875,550 00 855,100 00 $55,100 00 

Cash in Company's principal office 18.215 37 

Cash deposited in Bank, 40,797 83 

Interest accrued on collateral loans 702 1 6 

Net premiums in course of collection 16,057 91 

Total $461,782 71 

III. LIABILITIES. 
Losses reported and unadjusted, $36,661 97 



Net amount of unpaid losses, $36,061 97 

Re-insurance on fire risks, one year or less 8115.759 18 

Re-insurance on risks more than one year. 2,724 70 



Amount required to re-insure all outstanding risks. $118,483 88 



Total liabilities except capital stock, $155,145 85 

Capital stock. 200,000 00 

Surplus beyond capital. 106,636 86 



Total liabilities, including capital and surplus, $461,782 71 



!'! FIRE AM) PIKE .AND MARINE INSURANCE 

IV. IN' 10MB DURING THE YEAR. 

Premiums received in cash $378,364 70 

Deduct re- insurance, rebate, abatements and return 
premiums 47,054 



Actual cash premiums $331,307 74 

From interest on bonds and mortgages. 3,821 38 

From interest on loans, and dividends on stocks and bonds, g 7 | 



Actual cash income, $352,9 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including, $10,516 73 occurring in pre- 
vious years), $155,94 7 83 

Deduct salvage, 291 43 

$155,656 40 

Cash dividends 20,< >< )() 00 

Commission or brokerage, 37,815 00 

Salaries and fees, 19,610 G6 

Taxes, 7,628 43 

All other payments and expenditures, 19,982 06 



Actual caeh expenditures, $260,698 55 



VI. MISCELLANEOUS. 



P rem iu ins. 



Risks in force having not more than one year to 

run, $23,131,678 00 $231,518 37 

Having more than one and not more than three 

years to run, 264,304 00 3,093 69 

Having more than three years to run 57,700 00 993 37 



$23,453,082 00 $235,005 43 

Premiums received since the organization of the Company, 889.99s 69 

Losses paid since the Company organized, 3G4,G82 67 

Cash dividends paid stockholders, 40,000 00 

Stock owned by directors at date, 71,500 00 

Loaned to officers and directors, 23,500 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland) $1,658,779 82 

Premiums received on same, 37,727 26 

Losses paid, 80,650 GG 



COMPANIES OF OTHER STATES. !'."i 



ATLANTIC FIRE AND MAKINE INSURANCE COMPANY, 

Providence, R. I. 

Commenced Business. June, 1852. 

J. S. Parish, President, T. W, Hayward, Jr., Secretary, 

Attorney in Connecticut, William E. Baker, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS, 

Real Estate owned by the Company unencumbered, $145,780 26 

Stocks and Bonds owned by the Company. 

Par Value. Market Value, 

Municipal Bonds : — 

City of Elizabeth, $10,000 00 $10,000 00 

Railroad Stocks : — 

Michigan Central, , 10,400 00 8,528 00 

Railroad Bonds: — 

Chicago. Burlington & Quinoy, 10,000 00 10,200 00 

Bank Stocks : — 

Northern Bank, Providence, 12,000 00 12,000 00 

American Exchange Nat., N. Y...... 5,000 00 5,750 00 

Merchants National, Providence,.... 5,000 00 6.000 00 

Miscellaneous : — 

Delaware & Hudson Canal Co, 13,300 00 15,56100 

R. I. Safe Deposit Co., 1,000 00 1,000 00 



Total, $06,700 00 $69,039 00 $09,039 00 

Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Lexington Copper Ming Co. $1,950 00 $390 00 $157 50 

Nicholson File Co., Prov.,... 9,250 00 7,400 00 5,000 00 

Providence Gas Co., 2,200 00 3,960 00 1,312 50 

National Exchange Bank,.... 800 00 960 00 779 22 

Mechanics National Bank,... 750 00 900 00 750 00 



Total $14,950 00 $13,610 00 $7,999 22 $7,999 22 






96 FIKK AM) Fii;K and iiarink insurance 

ay's principal offioe $u 

Dash deposited in Bank 184 38 

[ntereel dn Materal loans, 

Preminms in >i of collection 

All other pi longing to the Company, 1,885 9? 



tnpany at their actual value, 



III. LIABILITIES. 

Losses adjusted and unpaid $5,137 33 

.mount of unpaid Losses $5,137 33 

lie-insurance on fire risks, cue year or less. $29,113 60 

iraiice on risks more than one year, 4,599 18 

lie-insurance on marine risks L>77 17 



Amount required to re-insure all outstanding risks, 

Cash dividends remaining unpaid. 

Due and accrued for salaries, rent &c, 



Total liabilities, except capital stock. 

Capital stock 

Surplus beyond capital, 



33,9€ 


94 00 


216 59 


. -37 87 


200,000 00 


14,618 97 



Total liabilities including capital and surplus $254,056 84 

IV. INCOME DURING THE YEAR. 

Fire. Marine. 

Premiums received in cash. $71,982 04 $15,140 17 

Deduct re-insurance, rebate, abatements 

and return premiums. 8,517 30 6,171 70 



Actual cash premiums, $63,464 08 $8,974 47 $72,439 15 

From interest on loans and dividends on stocks and bonds, 3,928 28 

Interest and dividends from all other sources 11 072 66 



Actual cash income, $87,440 09 

V. EXPENDITURES DURING THE YEAR. 

Fire. Marine. 

Aiu't paid for losses, (including $3, 4 89 07 

occurring in previous years ) $21,037 15 $6,151 43 

Deduct salvage etc., 201 44 1,561 46 

Net amount paid for losses, $20,745 71 $4,589 97 $25,335 68 

dividends, 12,01 I 00 

Commissions or brokerage 9,372 35 

Salaries, fees. &c 7,845 00 

Paid for State, national, and local taxes, 1,993 16 

All other paymeuts and expenditures, 6,906 67 

Actual cash expenditm*es $03,466 86 



COMPANIES OF OTHER STATES. 97 

VI. MISCELLANEOUS. 

Fire. Premiums. 

Risks in force having not more than one year to 

run, $4,071,112 44 $59,736 33 

Having more than one and not more than three 

years to run, 288,045 00 4,201 54 

Having more than three years to rnn, 121,865 00 1,018 84 



$4,481,022 44 $05,856 71 

Marine. Premiums. 

$19,743 00 $277 17 

Premiums received since th« organization of the Company, 2.619.334 17 

Losses paid since the Company organized, 2,116.357 55 

Cash dividends paid stockholders. 272,000 00 

Stock owned by directors at date, 64,733 33^ 

Stock dividends declared, 50,000 00 

Loaned to officers and directors, 5,000 00 

Loaned to stockholders, not officers 2,999 22 

Business in Connecticut in 1874. 

Fire and marine risks taken $219,543 21 

Pemiums received, 3,447 90 

No losses paid. 



BANGOR FIRE INSURANCE COMPANY. 

Bangor, Maine. 

Commenced Business May, 1872. 

Samuel F. Humphrey, President. Oliver B. Plummer, Secretary. 

Attorney in Connecticut, L. W. Sperry, New Haven. 






I. CAPITAL. 
Capital actually paid up in cash, $200,520 00 

II. ASSETS. 
Loans on bond and mortgage, (first liens) not more than one 

year's interest due $228,400 00 

13 



98 FIRK AND FIRE AND MARINE INSURANCE 

( '■■llattral. 

Par Value. Market Value. Amt.Loaned. 

Mercantile Bank, " 00 3,7."o «■<> ."..<>o0 00 

Kenduskeag Nat. Bank, 2,000 00 2,700 00 2,000 00 

Maine Telegraph Co 1,200 00 1,800 00 1,200 

Bangor Loom Co., 2,700 00 2,970 00 2,000 00 

Burlingn & Cedar Rap. K.K. 1, 00 1,000 00 

Dexter Town bonds 2,200 00 2,116 00 2.000 

Me. Central R. R. bonds,... 300 00 I 00 300 00 

U. S. 5-20b. bonds 2.000 00 2,200 00 2,000 00 

Pen. B. k Old T. Bridge Co. 1,000 QQ 1,100 00 1,000 00 

Androscoggin k Ken. R. R.) 

U. S bonds " 5 » 000 °° ,; - 000 °° r,JH)() °° 

State of Maine bonus 

European ft N. A.. R. R.,. 5,000 00 4."« o 00 4,000 00 

' Total $25,450 (X 00 $23,500 00 $23,500 00 

Cash in Company's principal office, 6.278 04 

Cash deposited in Bank, 13. S 8 

Interest accrued on collateral loan^ 14.«;il 02 

Net premiums in coarse of collection. 17.'. 

Bills 'receiveable 12 618 50 



Total $316,95« 2t 

III. LIABILITIES, 

Losses reported and unadjusted $7,257 93 

Loses resisted 8,328 87 

Net amount of unpaid lossess 15, :>$6 30 

Re-insurance on fire risks, one year or less $45,485 84 

Re-insurance on risks more than one year 7,709 -" 

Re-insurance on unexpired marine risks 9,500 00 



Amount required to re-insure all outstanding risks '^5 04 

Due for i-alaries, printing, Ac ! 1,200 80 

Borrowed money, since paid 11.' 

Total liabilities except capital stock $90,482 1 1 

Capital stock, 

Surplus beyond c-ipital >56 14 

Total liabilities, including capital and surplus $316,958 26 

IV. [NCOME DIKING THE YEAR. 

hie. 
Premiums received in cash, ^ 1 <»*.*.*.* T< » 

Deduct re-insurance, rebate, abatements 

and return premiums 7,264 70 1,635 60 



Actual cash premiums $102,705 83 $15,995 65 $118,701 48 

Notes for premiums unpaid 12.t!l - 

Interest on bonds and mortgages 24,490 00 

From all other sources 19 25 



a • 1 cash income $143,210 73 



COMPANIES OF OTHER STATES. 99 

V. EXPENDITURES DURING THE YEAR. 

Fire. Marine. 

Am't paid for losses, (including $24,095.32 

occurring in previous years,) $39,514 32 $28,529 OG $08,043 38 

Commissions or brokerage, 20,090 08 

Salaries and fees, 4,978 53 

Taxes, 2,413 28 

All other payments and expenditures, 10,043 47 



Actual cash expenditures, $100,109 34 



VI. MISCELLANEOUS. 

Risks in force having not more than one year to 

run, $4,399,779 00 

Having more than one and not more than three 

years to run, 658,149 00 

Having more than three years to run, 350,413 00 



$5,414,341 00 

Premiums received since the organization of the Company, 

Losses paid since the organization of the Company, 

Stock owned by directors at date, 

Loaned to officers and directors, 

Loaned to stockholders not officers, 



Business in Connecticut in 1874. 

Fire risks taken (no inland,) $99,303 00 

Pi emiums received on same, 2,012 07 

Losses incurred 1,989 85 



Premiums. 


$90,971 09 


8,250 86 


4,591 81 


$103,820 36 


327,882 96 


223,218 27 


80,800 00 


101,000 00 


150,900 00 



100 FIBB AND FIRE AND MAHINE INSI'KANCI-: 



BLACK RIVER FIRE INSURANCE COMPANY. 
Watsbtown, N. Y. 

Commenced Business, March 23d, 1872. 
George F. Paddock, President. A. H. Wray, Secretary. 

Attorney in Connecticut, Judah Frisbie, New Haven. 



I. CAPITAL. 
Capital actually paid up in cash, $250,000 00 

II. ASSETS. 

Real Estate owned by the Company unencumbered.., $18,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 171.518 22 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, 11,403 70 

Interest accrued on bond and mortgage loans, 7,303 02 

Value of the laud mortgaged, $273,300 00 

Buildings (insured for $85,000 00) 201,750 00 



178,050 no 



Stock* and Honda owned by tin Company. 

Par Value. Market Value. 

U. S. and State Stocks: — 

United States 5-20'k, $10,000 oo $11,260 00 

United States 10-10's, 25,000 on 28,750 no 

Municipal Bonds : — 

Manistee City, 10 per c, 400 00 400.00 

B LXLBOAD Bonds : — 

Rome. YVatertown«fc Ogdensburg,... 7,000 (> : > 7,000 00 

Utica, Clinton & Binghamton, 1,000 00 1,000 00 



Total, $43,400 no sis. 400 00 $18,400 00 



COMPANIES OF OTHER STATE& 10L 

Loans on Collateral. 

Par Market Amount 

Value. Value. Loaned. 

Rome, Water'n & Ogdens'h, $8,000 00 $3,000 00 $52,500 00 

Theresa & Clay. R. R. guar. 

by Utica & Black River, . . 10.000 00 10,000 00 9,000 00 

Utica, Clinton <fe Bing. R. R. 5,000 00 \ 

Homesfield Town Bonds, .... 1,000 00 [■ 7,000 00 5,500 00 

Bond and Mort. on Farm, .... 1,000 00 J 

DesMoines & Keokuk 11. R., 4.000 00 3,600 00 2,800 00 



Total $24,000 00 $23,600 00 $19,800 00 $19,800 00 

Cash in Company's principal office, 6,591 13 

Cash deposited in Bank, 41,761 57 

Interest accrued on stocks, 645 98 

Interest accrued on collateral loans, 29 66 

Net premiums in course of collection, 15,086 40 

All other property, salvages, &c, 318 12 



Assets of the Company at their actual value, $343,857 80 



III. LIABILITIES. 

Losses adjusted and unpaid, $3,747 07 

Losses in process of adjustment, 5,300 00 

Losses resisted, 6,000 00 



Total, $15,047 07 

Re-insurance on fire risks one year or less, $59,004 84 

Re-insurance on risks more than one year, 5,099 76 



Amount required to re-insure all outstanding risks, 64,104 60 

Total liabilities except capital stock $79,151 67 

Capital stock, 250.000 00 

Surplus beyond capital, 44,706 13 

Total liabilities, including capital and surplus, $343, 857 80 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, $182,747 34 

Deduct re-insurance, rebate and return premiums, .... 80,582 42 






Actual cash premiums, $ 1 52, 164 92 

From interest on bonds and mortgages, 14,816 60 

From interest on loans and dividends on stocks and bonds, 7,324 56 

From Rents, 294 :>r> 



Actual cashincome, , $174 600 6 



102 KIKE AND KIRK AM) MARIN K INSURANCE 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $18,460 On occurring in pre- 
vious years, i $126,785 39 

Commissions or brokerage, 24,173 23 

Salaries and fees 17.299 38 

Taxes 8,740 66 

All other payments and expenses. 8,472 04 



Actual cash expenditures, §185,471 60 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run, $7,060,670 81 $118,009 67 

Having more than one and not more than three 

years to run, 756,413 14 10,049 31 

Having more than three years to run, 147,792 00 2,134 22 



$7,964,776 95 $130,193 20 

Premiums received since the organization of the Company, 460,774 24 

Losses paid since the organization of the Company, 346,525 51 

Stock owned by directors at date, 100,800 00 

Loaned to officers and directors, 17,300 00 

Loaned to stockholders not officers, 2,500 00 



Business in Connecticut i?i 1874. 

Fire risks taken (no inland,) $164,301 00 

Premiums received on same 2,986 15 

Losses incurred 9,495 06 



COMPANIES OF OTI1KK STATES. 108 



CAPITAL CITY INSURANCE COMPANY, 

Albany, New York. 

Commenced Business February, 1805. 

Frank Chamberlain, President. James F. Crosby, Secretary. 

Attorney in Connecticut, Ralph Gillett, Hartford, 



I. CAPITAL, 
Capital actually paid up iu cash $150,000 00 



II. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value, 
U. S. Stocks: — 

U. S. 6's, 1881, registered $86,000 00 $101,00") 00 

U. S. 5-20's, 1867, '« 5-1,500 00 64,446 25 

Railroad Bonds — 

Central Pacific 11,000 00 10,310 00 



Total, $151.500 00 $176,48125 $170,481 25 



Loans on Collateral. 

Par Value. Market Value. Am't Loaned. 
Commercial Bank, Albany, ..$1,120 00 $2,240 00) ^ ()00 0() 

U. S. 6's, 1881. 2,000 00 2,370 00 > 



Total, $3,120 00 $4,610 00 $4,000 00 $4,000 00 

Cash in Company's principal office, 223 81 

Cash deposited in Bank, 4,282 77 

Interest accrued on stocks, 4.715 53 

Interest accrued on collateral loans, 72 20 

Net premiums in course of collection, 1.502 41 



Total $191,278 06 



J 0-4: FIRE AND FIRE AND MAKINK INSURANCE 

III. LIABILITIES. 

Losses reported and unadjusted, 000 00 

lie-insurance OO Are risks, one year or less, $14,871 55 

Re-insurance on risks, more than one year, 605 90 



Amount required to re-insure all outstanding risks. $14,977 45 

Duo for salaries, printing, A • 300 00 

Taxes, 225 00 



Total liabilities except capital stock, $17,502 45 

GapitaJ stock, 150,000 00 

Surplus beyond capital 23,775 I i 1 



Total liabilities, including capital and surplus, $191, 'J, 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $33,842 92 

Deduct re-insurance, rebate, abatements and return 

premiums. 3,354 97 



Actual cash premiums, $30,487 95 

From iuterest on loans and dividends on stocks and bonds 10,662 14 



Actual cash income $41,150 09 

V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $1,694 03 occurring in pre- 
vious years) $15,101 03 

Cash dividends, 15,000 00 

Commissions or brokerage, 4.443 48 

Salaries and fees, 4,300 00 

Taxes. , 148 6C> 

All other payments and expenses 3,651 00 



Actual cash expenditures $42,644 



VI. MISCELLANEOUS. 

Risks in force having not more than one year to 

run $2,6 L2,565 00 

Having more than one and not more than three 

years to run 58,750 00 

Having more than three years to run, 11,7)00 00 



$2,682,815 00 

Premiums received since the organization of the Company 

Losses paid since the Company organized 

Cash dividends paid stockholders 

Stock owned by directors at date, 

Loaned to officers and directors 

Butinett in Connecticut. 

Fin- lis 1 ,;* taken (no inland), $118,333 00 

Premiums received on same 1,878 87 

No 1.'- 



PreminmSi 


$28,743 10 


893 31 


170 50 


306 91 


382,889 42 


316,945 21 


126,500 00 


61, 600 00 


4,000 00 



companies of othek states. 105 



CITIZENS FIRE INSURANCE COMPANY. 

New York City. 

Commenced Business, April, 1837. 

James M. McLean, President. Edward A. Walton, Secretary. 

Attorney in Connecticut, W, E. Baker, Hartford. 



I. CAPITAL. 
Capital actually paid up in cash. $300,000 00 

II. ASSETS. 

Real Estate owned by the Company unencumbered,... $62,500 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 181,250 00 

Interest accrued on bond and mortgage loans, 1,929 95 

Value of the land mortgaged, $328, 500 00 

Buildings (insured for $107,650 00), 158,500 00 

$487,000 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States 5 20's, reg. 1867 *100,000 00 $118,000 00 

United States 6 per c, 1881 150,000 00 177,187 50 

Virginia G per c 30,000 00 12,300 00 

South Carolina, <; per c 20,000 00 6,000 00 

Railroad Bonds : — 

Lake Shore & Mich. Southern, 50,000 00 50,000 00 

Bank Stocks: — 

National Citizens Bank, 22,500 00 28,125 00 

Miscellaneous : — ■ 

Union Trust Company, 7,800 00 8 r 97<> 00 



Total, $380,300 00 $400,582 50 $400,582 50 

14 



101) l-'IKK AND JIIJK AND KARINE [N8UKAXCK 

Loans on Collateral. 

Par Market Amo:mt 

Value, Loa 

Manhattan life las. Go.,... $1,000 00 $5,000 00 $1,500 00 

•' •« •• •• ... 1,00 > 00 5,0 • I 2,000 00 

National i Bank 1,250 00 1,562 E I L,200 l I 

4i 4,250 00 5,312 50) 

Harlem Bank 2,500 00 2,500 oo) 

Nat. Batch's & Drov's Bank, 2,500 00 3,500 00 2,500 00 
N Y. Balance Dock Co...... 1,500 00 1 200 00» 

Empire Laundry Co 1,000 00 500 00) 

Bank of the Metropolis, 2.500 00 2,500 00\ 

Real Estate Trust Co.. 1,000 00 4,000 00 > 7.500 00 

Metropolitan Gas Light Co., 2,000 00 2,800 Oo) 

" " i{ 10,000 00 14.000 00) 

N. Y. Oen. & Hud. R. It. R. 10,000 00 10,200 00 - 20,000 00 

Union Trust Co., 15.000 00 17.250 (K)) 



6,500 oo 



1.200 00 



2,500 00 2,875 00> 

N. Y.. N. H. A Hfd, R. R., 15.700 00 20,881 ,00> 

1.300 00 1,729 00) 

National Citizens Bank 1.000 00 1,250 00 - 13,000 00 

Manhattan Life Ins. Co 5 000 00 25,000 00 ) 

Lake Shore & Mich So. B.B 4.000 00 3.200 00> 

• ; " " " 60,000 00 60 000 00) 



20.1)00 00 



50.000 oo 



Total $148,000 00 8100,200 - 100 00 $120,300 00 

Cash deposited in bank 52,655 77 

Interest accrued on stocks, 1,125 00 

Interest accrued on collateral loans, 710 33 

Net premiums in course of collection, 13,0 

All other property belonging to the Company 725 00 

Assets of tho Company at their actual value $840,870 03 



III. LIABILITIES. 

Losses reported and unadjusted 87.300 00 

Losses resisted, 5,000 00 



Total $12,300 00 

Re-insurance on fire risks, one year or less, $150,404 64 

Re-insurance on risks more than one year, 18,906 46 



Amount required to re-insure all outstanding risks, less 50 per 

cent, of $9,216 OS paid for re-insurance in force, 104.703 0G 

Due and accrued for salaries 1,500 00 



Total liabilities except capital stock. $1 78,503 06 

Capital stock 300,000 00 

Surplus beyond capital 862,872 07 



Total liabilities including capital and surplus $840,876 03 



COM TAN IKS OF OTHER STATES. 107 

IV. IN< OME DURING THE YEAH. 

Premiums received in cash, $354,291 18 

Deduct re-insurance, rebate, abatements and return 

premiums, 41,321 15 



Actual cash premiums #312,1)70 03 

From interest on bonds and mortgages, 10,778 12 

From interest on stocks and bonds and stock loans 32, 593 58 

From all oilier sources, 11,954 17 

Actual cash income, $308,295 90 

V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $15,960 16, occur- 
ring in previous years,), $81,388 61 

Deduct salvage, &c, 2,044 74 



Net amount paid for losses, $79,343 87 

Cash dividends, 62,010 80 

Commissions or brokerage 28,432 39 

Salaries and fees, 57,548 32 

Taxes, 3,795 91 

All other payments and expenses, 24,553 11 



Actual cash expenditures, $255,684 40 

VI. MISCELLANEOUS. 

Policyholders. Stockholders. Aggregate. 

Scrip dividends declared to date,... $15,404 00 $150,000 00 $195,404 00 
Deduct amount redeemed in cash, 

forfeited, cancelled &c. , 45,404 00 45,404 00 



Balance deliverable and outstanding, $150,000 00 $150,000 00 

Limit of scrip accumulations, 500,000 00 

Premiums. 
Risks in force having not more than one year to 

run, $44,343,629 40 $310,049 54 

Having more than one and not more than three 

yearstorun, 2,641,082 42 27.163 74 

Having more than three years to run, 724, 805 00 9, 802 84 



$47,709,516 S2 $347,016 12 

Premiums received since the organization of the Company, 4,570,088 62 

Losses paid since the Company organized, 2,122,704 75 

Cash dividends paid stockholders, 1,085,550 00 

Stock owned by directors at date, ;, 68,880 00 

Amount loaned to directors, i 90,800 00 

Amount loaned to stockholders, 30,500 00 

Business in Connecticut in 1874. 

Fire risks taken, $274,800 00 

Premiums received, 2.655 03 

Losses paid, 3,863 45 



108 FIRE AND FIRE AND MARINE INSURANCE 



CITIZENS FIRE ENSURANCE COMPANY. 

Newark, New Jersey. 

Commenced Business, May, 18G0. 

James G. Darling, President. A. Paul Scharff, Secretary 

Attorney in Connecticut, C. M. Webster. Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, £200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, $198,611 50 

Interest accrued on bond and mortgage loans, 5,343 20 

Value of land mortgaged, $459,500 00 

Buildings mortgaged, (ins. for $130,500) 306,750 00 



r66,250 00 

Stocks and Bonds otcncd by the Company. 

Par Value Market Value. 

U. S. Stocks : — 

U. S 10-408, reg. bonds, $30,000 00 $34,425 00 

Municipal Bonds : — 

Essex County, Bounty,..; 300 00 300 00 

Passaic County, BOO 00 487 50 

Elizabeth City, 12.000 00 11,760 00 

Richmond City Va 10,000 00 10,000 00 

Township of Harrison, Improve.,. 5,600 00 5,060 00 

Kaii.koad Bonds : — 

Newark A N. Y. B. B 1,000 00 1.000 00 

lffl80ELLAME0US : — 

Citz. GasL. Co.. Convert, lstmort., 12,000 00 12.210 00 






Tote] $71,300 0<> #7">.272 ;,() *7.~,,272 50 



COMPANIES OF OTHER STATES. 109 

Loans on Collateral. 

Par Market Amount 

Value. Value. Loaned. 

1st. Nat. Bank Newark N. J., . . $4,000 00 $5,200 00 $2,000 00 

Citz. GasL. Co., Convert 1.000 00 1,020 00 1,000 00 

" » " « Stock 2,500 00 2,500 00 2,000 00 

North Ward National Bank,... 10,500 00 11,025 00 10,300 00 

Total $18,000 00 $19,745 00 $15,900 00 $15,900 00 

Allother loans, 2,000 00 

Cash in Company's principal office, 046 88 

Cash deposited in Bank, 39,382 29 

Interest accrued on stocks, 1,315 70 

Interest accrued on collateral loans, 390 86 

Net premiums in course of collection, 41,316 57 

Assets of the Company at their actual value, $380,185 59 



III. LIABILITIES. 

Losses adjusted and unpaid, $816 21 

Losses reported and unadjusted, 16,107 16 

Losses resisted, 3,200 00 



20,123 37 
Deduct Re-insurance, '. 1,343 28 



Net amount of unpaid losses, $18,780 09 

Ke-insurance on fire risks, one year or less, $116,972 50 

Re-insurance on risks more than one year, 11,235 34 



Amount required to re-insure all outstanding risks. .$128,207 84 

Principal on unpaid scrip, 300 00 

Due for salaries, printing, &c, 916 35 



Total liabilities except capital stock, $148,204 28 

Capital stock, 200,000 00 

Surplus beyond capital, 31,981 31 



Total liabilities, including capital and surplus, $380,185 59 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, $325,610 01 

Deduct re-insurance, rebate, abatements and return 

premiums, 40, 619 57 



Actual cash premiums, $284, 960 44 

Interest on bonds and mortgages, 12,575 72 

From interest on loans and dividends on stocks and bonds, 

Bents, 

Profit on sale of bonds, 

Actual cash income, $305,151 87 



6,488 


93 


251 


78 


875 


00 



1K> FIRE AND FIRE AND MAHINK INSURANCE 

V. EXPEND! rtJRES DUBING THE TEAS. 
Amount paid for Losses, including ($15,857 occur- 
ring in previous years) $1; 

Dedu 1 salTages Ac ■ •; 12 



$138,111 31 

21 52 

Scrip or Certificates of profits redeemed in cash,... 503 00 

Commissions or brokerage 64,419 98 

Salaries and fees ;i. 1 : 

7,05; 

All other payments and expenses 



Actual cash expenditures. $271,519 48 



IV. MISCELLANEOUS. 

Scrip dividends declared to date $3,807 

Deduct amount redeemed in cash 3.507 



Balance of scrip dividends. $300 

Limit of scrip accumulation. 8200.000 00 

Premiums. 
Risks in force having not more than one year to 

run $14,457,587 38 §233,9-15 00 

Having more than one and not more than three 

years to run 900.213 00 12,905 53 

Having more than three years to run, 198,550 00 3,508 87 



$15,646,350 3s $250,359 40 

Premiums received since the organization of the Company 734,997 23 

Losses paid since the Company organized, 299,094: 12 

Cash dividends paid stockholders 4 7.231 94 

Stock owned by the directors at date, 157.400 00 

Loaned to officers and directors '.'-.133 34 

Loaned to stockholders not officers 4,758 00 



Business in Gonneetient. 

Fire risks taken (no inland) $040,779 99 

Premiums received on same, 8,559 97 

Losses paid, 3.117 22 



COMPANIES OF oTHKll STATKS, 111 



CITIZKNS FIRE INSURANCE COMPANY. 

St. Louis, Mo. 

Commenced Business February, 18:37. 

E. O. Stanaro, President. John P. Harrison. Secretary. 

Attorney in Connecticut, Silas Chapman. Jr., Hartford. 



I. CAPITAL. 

Capital actually paid up in cash $200,000 00 

II. ASSETS. 

Real Estate owned by the Company unencumbered $3,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 58,133 00 

Interest due and accrued on bond and mortgage loans, 2, 750 00 

Value of the lands mortgaged, $80,000 00 

Buildings mortgaged, 4(5,500 00 



[26,500 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value, 

Stats Stocks : — 

Missouri, G's, $50,000 00 $47,500 00 

Municipal Bonds: — 

St. Louis. City, 50.000 00 50,000 00 

Railroad Bonds : — 

North Missouri, 100.000 00 90,000 00 

Bank Stocks : — 

Second National Bank, 3.000 00 2.550 00 

Miscellaneous : — 

St. Louis Chamber of Commerce, . . 20,000 00 20,000 00 

Yaeger Milling Co., 12,800 00 18.000 00 

St. Louis Chamber of Commerce, .. 5,000 00 5,000 00 

Venice Elevator Co 5,000 00 4,000 00 



Total, $245,800 00 $237,050 00 $237,050 00 



112 FIRE AND FIRE AND MARINE INSURANCE 

Loam on Collateral. 

a Value. Market Value Amt Loaned. 
Birth 

Venice Elevator Co fc,000 00 

Bi. bonis Elevator Co 4,000 00 4,000 00 3,400 

600 00 I 00 



<1 $13,600 00 $12 

All other loans ;;.-, 9fl 

ay's principal office sti r,\ 

C tah deposited in bank 39,2 

Enteresi aosrned on stocks and bonds 7.-I01 2."> 

Net i.roai urns in course of collection 



of the Company at their actual value, 



III. LIABILITIES. 

Losses adjusted and unpaid. $5,186 00 

88 reported and unadjusted 13,58: 

Losses resisted, 1,60 



Net amount of unpaid losses $20,371 0<> 

Re-insurance on lire risks, one year or lass $80,753 Bo 

Re-insurance on risks more than one year 4,251 0t*» 

Re-insurance at 50 per cent, on inland navigation risks 250 00 



Amount required to re-insure all outstanding risks 85,254 91 

Cash dividends to stockholders remaining unpaid 570 00 



Total liabilities, except capital stock, 810(5,195 91 

Capital stock 200,000 00 

Surplus beyond capital 1 23,808 87 

Total liabilities, including capital and surplus $429,999 7S 



IV. INCOME DURING THE YEAR. 

Fire. Inland. 

Premiums received in cash $199,679 02 $17,027 78 

Deduct re-insurance, rebate, abatements, 

and return premiums 4,746 65 1.1" - 



Actual cash premiums, $194,932 37 $15,866 $2 ,801 29 

From interest on loans and dividends on stocks and bonds 647 07 



Aotual cash income $231,4 I 

V. EXPENDITURES DURING THE YEAR. 

Fire. Inland. 

Amount paid for losses, (inclnding 
216 occurring In previous years) $58,954 18 $13,264 98 

Deduct salvages A'o 3,340 47 

Ni amount paid for losses - - - - 24 61 $68:878 



COMPANIES OF OTHER STAT! ll.'i 

Cash dividends, $19,840 00 

Commission a or brokerage 30,608 84 

Salaries and fees. 7,500 00 

Taxes 5.201 20 

All other payments and expenses. 9,137 23 

Actual cash expenditures, $147,165 96 

VI. MISCELLANEOUS. 

Premiums. 

Risks in force having not more than one year to 

ran $9,255,395 00 $161,507 69 

Having more than one and not more than three 

yearstornn, 306,978 00 5,175 53 

$9,562,373 00 8166,683 22 

Inland. Premiums. 

$50,000 00 8500 00 

Stock owned by directors at date 64,900 00 

Loaned to officers and directors, 18,4<'0 00 

Business in Connecticut in 1874. 

Fire risks taken 8648.755 00 

Premiums received on same 9.343 46 

Losses paid 2,325 20 



CLAY FIRE INSURANCE COMPANY. 

Newport. Kentucky. 
Commenced Business July. 1856. 

D. Wolff. President. E. H. Mobki, Secretary. 

Attorney in Connecticut. J. D. Smith. Hartford. 



I. CAPITAL. 

Capital actually paid up in cash $200,000 00 

II. ASSETS. 

Real estate owned by the Company uneucumbei"ed, $11,200 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due.... 163.090 43 

Interest accrued on bond and mortgage loans, 8.307 44 

Value of the lands mortgaged 8405.800 00 

Buildings (insured for $96,200) 192.400 00 

8598.200 00 

15 



11-i 



FIR E AND FIR !•; A N I ) M A KIN K [NSUKA N C E 



Stocks and Bondt owned by the Company. 

Par Value. Market Value. 

Municipal Bonds : — 

City of Newport, 7 8-10 A 8 per | | 10 00 

11 '• Dayton, 10 per c 87,160 60 87.150 60 

11 " Covington, (J per c 5,000 00 



Total |95,150 00 $95,150 00 f 95, 150 Co 



* 9n GollaU ral. 

Value. 

U. S. 5-20*8, bonds 1862 $3,500 00 

" 5-20's, " 1864 2,000 00 



Market Amount 

Value. ned. 

$1,870 08 



Total, $5,5< 

All other loans. 

Cash in Company's principal office 

Cash deposited in Bank 

Interest accrued on stocks, 

Interest accrued on collateral loans. 

Net premiums in course of collection..... 

Bills receivable 

All other property, salvages &c 






Total. 



-70 08 
.7 01 
B2 7^ 

2,192 62 

40 35 
47. r,: 
769 98 
1,61 

$336,234 07 



III. LIABILITIES. 

Losses adjusted and unpaid, $12,049 75 

Losses reported and unadjusted, 4,921 88 

Losses resisted, 0,97'.' 7 7 



Total, 

Deduct re-insurance, 



$23,951 40 

4.72:. 51 



Net amount of unpaid losses, 

Re-insurance on tire risks, one year or less $95,524 84 

Re-insurance on risks more than one year, 2,29 



Amount required to re-insure all outstanding risks 
Due for borrowed money, , 



Total liabilities, except capital stock, 

Capital stock 

Surplus beyond capital, 



Total liabilities including capital and surplus. 



IV. INCOME DURING THE YEAB. 

Premiums received in cash, $283,147 48 

Deduct re-insurance, rebate, abatements and return 
premiums. 73,486 37 



$19,225 89 



07.815 24 
7,764 49 

8124,81).-, 62 

200,000 00 

11,428 45 

?330,234 07 



Actual cash premiums, 

From interest on bonds and mortgages, 

From interest on loans and dividends on stocks and bonds. 



8209,711 11 
9,473 20 

0.250 00 



Actual cash income $225, ::'l 31 



COMPANIES OF OTHER STATES. 115 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $9,700 00 occur- 
ring in previous years.) $147,695 87 

Deduct salvage. 4,372 02 



Net amount paid for losses • $143,322 95 

Cash dividends, 20.000 00 

Commissions or brokerage, 40,512 23 

Salaries and fees 5.584 76 

Taxes,: 8.245 73 

Ail other payments and expenses, 14,557 87 



Actual cash expenditures, $238,223 54 



Premiums. 



VI. MISCELLANEOUS. 

Risks in force having' not more than one year to 

run $11,601,986 00 $191,049 G8 

Having more than one and not more than three 

years to run, 224,851 00 

Having more than three years to run, 3,282 00 



811,830,119 00 

Premiums received since January 1st, 1871,...: 

Losses paid since January 1st. 1871, ' 

Cash dividends paid stockholders since January 1st, 1871, 

Stojk owned by directors at date, 

Loaned to officers and directors. , 

Loaned to stockholders, not officers, 



Business in Connecticut in 1874. 

Fire risks taken (no inland), $227,080 29 

Premiums received on same, 3,882 97 

Losses paid, i 5, 020 89 



3.282 63 


210 30 


$194. 542 61 


582,843 00 


210.354 88 


85,000 00 


92,433 33 


32,773 23 


22,144 54 



Ill) FIBK AND FIRE AND MARINE INSURANCE 



COMMERCE FIRE INSURANCE COMPANY. 

Alrany, N. Y. 

Commenced Business June 1st, 1859. 

Adam Van Allen, President. Richaed V. DeWitt, Secretary. 

Attorney in Connecticut, C. C. Kimball, Hartford. 



I. CAPITAL. 
Capital actually paid up in cash, $200,000 00 

II. ASSETS. 
Real estate owned by the Company unencumbered, $45,000 00 

Stocks and Bonds oisjicd by the Company. 

Par Value. Market Value. 

U. S. and State Stocks : — 

United States, currency, $230,000 00 $270,250 00 

Bank Stocks : — 

First National Bank of Albany,... 17,500 00 28,000 00 

National Albany Exchange Bank,. 8,000 00 11,200 00 

Union National Bank, 1,900 00 2.280 00 



Total, $257,400 00 $311,730 00 $311,730 00 

Loans on Collatt ral. 

Par Value. Market Value. Amt. Loaned. 
United States 5-20's reg 85,000 00 i 850 00 $5,000 00 

Eirst Nat. Bank. Albany 5,000 00 8,000 00 5,400 00 

.Etna Ins. Co., Hartford, 1.000 00 1.000 00 1,000 00 

Capital City Ins. Co.. Albany 3,000 00 3.000 00 2,5 00 



Total, 814,000 00 $18,750 00 $13,900 00 $13,000 00 

Oa ii in ' lompany's principal office i . 770 43 

Cash deposited in Bank 555 55 

Interest ao srued on stocks, 388 00 

est accrued on collateral loans 141 91 

Nei Premiums in course of collection, 5.208 17 

All other property belonging to the Company 416 GO 

Assets of th(> Company at their actual value > •.. $103,170 72 



C< > M I 'A N I ES OF OTH E R STATES. I 1 7 



III. LIABILITIES. 



Losses reported and unadjusted, 5,000 00 

Losses resisted 7,200 00 



Net amount of unpaid losses, $12,200 00 

Re-insurance on fire risks, one year or less, $(52,530 08 

Re-insurance on risks more than one year, 14,71G 03 

Amount required to re insure all outstanding risks, 77,240 11 

All other demands against the Company, 300 00 



Total liabilities except capital stock, $89,800 11 

Capital stock, 200,000 00 

Surplus beyond capital, 113,373 61 

Total liabilities, including capital and surplus, $403,179 72 



IV. INCOME DURING- THE YEAR. 

Premiums received in cash $146,305 21 

Deduct re insurance, rebate, abatements and re- 
turn premiums 17,662 72 



Actual cash premiums. $128,642 49 

From interest on loans and dividends on stocks and bonds, 17,061 36 

From Rents, 2,709 2S 



Actual cash income $148,413 V, 



V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $10,890 39 oc- 
curring in previous years), — $62, 064 18 

Deduct re-insurance and salvage claims, 303 93 



Net amount paid for losses during the year, $61,760 25 

Cash dividends, 20,000 00 

Commissions or brokerage, 18.846 38 

Salaries and fees 11.618 37 

Taxes, 6,213 53 

All other payments and expenses, 5.719 60 



Actual cash expenditures, $124,158 1J 



VI. MISCELLANEOUS. 

Premiums. 

Risks in force having not more than one year to 

run, $11,540,208 00 $137,842 50 

Having move than one and not more than three 

years to run. 1.505.560 00 19,619 57 

Having more than three years to run 194,140 00 3,285 45 



$13,239,908 00 $160,747 53 



118 KIBE AND FIRE AND MAKIN.E INSURANCE 

Premiums received since the organisation of (he Company, $2,588,158 00 

is paid sine mization of the Company, 1,916,672 00 

Cash dividends paid stockholders 850,000 00 

Stock owned by dire rtors al date, 59,375 00 

Loaned to officers and directors 5, 400 00 

Loaned to stockholders not officers, 8,500 00 

Business in Connecticut in 1874.' 

Fire risks taken, (no inland) $452,025 00 

Premiums received on same, 7,284 81 

Losses paid, 8,887 31 



COMMERCIAL FIRE INSURANCE COMPANY. 

New York City. 

Commenced Business May, 1850. 

H. V. B. Fowler, President. David Quackinbush, Secretary. 

Attorney in Connecticut, V. F. McNeil, Cornwall Bridge. 



I. CAPITAL. 

Capital actually paid up in cash $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, $62,050 00 

Interest due and accrued on bond and mortgage loans 3(51 9G 

Value of the lands mortgaged, $73,500 00 

Value of buildings mortgaged (ins. for $57,100). 125.600 00 



$199,100 oo 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks: — 

United States currency, G per c.,... $177,000 00 $208,860 00 

" gold, G per c, 1881,. 20,000 00 23, GOO 00 

" 5-20's, G per a, 3, GOO 00 4,820 00 

Municipal Bonds: — 

Brooklyn corporation, 38,000 00 3D. 140 00 

Flushing Water Bonds, 12,000 00 12,0;i0 00 



Total $250,600 00 $287,920 00 8287.020 00 



CO M PA N J ES u F OT H K R STAT KS. 1 1 9 

Loans on Collateral. 
Par Value. Market Value. Amt, Loaned, 



Tennessee,. $1,000 00 

Sterling Fire Ins. Co., 500 00 

Sterling Fire Ins. Co., 1,500 00 

Equitable Life Assurance Soc 500 00 

Westchester Fire Ins. Co.,..., 1,000 00 

Tradesmen's Fire Ins. Co...... 500 00 

Irving National Bank, 1,000 00 

New Jersey Central R. R.,..., 500 00 

IrvingBank, 1.000 00 

Broadway National Bank, 1,250 00 

Union Ferry Co., 2,000 00 

Citizens Gas Light Co. , , . 2, 100 00 

Delaware, L. & West. R. 11.,. 5,000 90 



$600 00 


$260 00 


475 00 


200 00 


1,425 00 


900 00 


750 00 • 


500 00 


1.250 00 


900 00 


000 00 


400 00 


1,250 00) 

535 00)" 


1,500 00 


1,250 00 


i.ooo oo 


3,500 00 


1,800 00 


2,500 00 


2,000 00 


3,600 00 


2,400 00 


5.500 00 


5,000 00 



Total, $18,150 00 $23,235 00 $16,860 00 $10,800 00 

Cash deposited in Bank,.... : 21,931 55 

Interest accrued on stock«, 735 Oo 

Interest accrued on collateral loans 73 78 

Premiums in due course of collection, , 33,820 24 



Assets of the Company at their actual value, $423,752 53 



III. LIABILITIES, 

Losses reported and unadjusted, $5,306 00 

Losses resisted ... 3,500 00 



Net amount of unpaid losses, $8,806 00 

Re-insurance on risks, one year or less, $87,122 00 

Re-insurance on risks more than one year 9,310 72 



Amount required to re-insure all outstanding risks, 96,432 72 

Salaries, fees &c, 958 00 



Total liabilities, except capital stock, $106,196 72 

Capital stock, 200,000 00 

Surplus beyond capital, ".'. 117,555 81 



Total liabilities, including capital and surplus, $423,752 53 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, $239,751 46 

Deduct re-insurance, rebate, abatements and return 

premiums, 11,33208 

Actual cash premiums, $228,419 38 

From interest on bonds and mortgages, 4 343 50 

From interest on loans and dividends on stocks and bonds, 12,519 39 



Actual cash income, $245,282 2] 



120 FIRE AND PIRK AND MARINE INSURANCE 

V. EXPENDITURES DURING THE YEAR. 
Amount paid f< ■ including $1,963 29, occurring in pre- 
vious ye us $87,47 

Gash dividends 25 00 

..is or brokerage, 37,990 17 

Salaries and fees, 17,500 <>o 

v 12 12 

All other payments and expenses, 12,614 15 

Actual cash expenditures. $182,019 G7 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run, $22,358,465 47 $174,244 00 

Having more than one and not more than three 

years to run 1,405,344 00 13 73!) 01 

Having more than three years to run, 84,750 00 1,08 



$23,848,559 47 $189,068 38 

Premiums received since the organization of the Company, 2,359,323 97 

Losses paid since the organization of the Company, 1,278,849 78 

Cash dividends paid stockholders, 600,000 00 

Stock owned by directors at date 108,000 00 

Loaned to officers and directors (5,500 00 

Loaned to stockholders not officers 1,260 00 



COMFANIKS OF OTHEK STATES. 121 



CONTINENTAL FIRE INSURANCE COMPANY. 

New York City. 

Commenced Business, January, 1853. 

George. T. Hope, President. Cyrus Peck, Secretary. 

Attorney in Connecticut, Sherman Hartwell. Bridgeport. 



I CAPITAL. 
Capital actually paid up in cash, $1,000,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, $694,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 588,800 00 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, 15,907 07 

Value of land mortgaged, $1838,325 00 

Buildings (insured for $588,200), , 1,000,750 00 



£1.839,075 00 

Stocks and Bonds owned by tlie Company. 

Far Value. Market Value. 
U. S. Stocks : — 

U. S. per c. 1881., $100,000 00 $118,000 00 

U. S. G per c. currency, 400,000 00 470,000 00 

State Stocks : — 

Tennessee old 6 per. c. 20.000 00 12,000 00 

Tennessee Funding 6 per. c, 0,000 00 3,600 00 

Alabama old 8 per c, 10,000 00 5,000 00 

South Carolina old 6 per c, 20.000 00 6,000 00 

Bank Stocks : — 

American Ex. National Bank, N. Y. 10,000 00 11.400 00 

Dry Goods Bank, N. Y 3,500 00 2,800 00 

Mechanics' National Bank, N. Y.... 1,125 00 1,575 00 

Merchants' National Bank, N. Y. . 25,000 00 30,250 00 

Metropolitan National Bank, N. Y. 17,600 00 23,936 00 

Nassau Bank, N. Y., 10,000 00 10,500 00 

Nat. Bank of the Republic, N. Y., 10,000 00 10,400 00 

Phenix National Bank, N. Y., 14,700 00 14,700 00 

St. Nicholas Nat. Bank, N. Y.,. 17,500 00 19,250 00 

Miscellaneous : — 

Delaware & Hudson Can. Co. N. Y. 20,000 00 23,350 00 

N. Y. Guaranty & Ind. Co.. 5,000 00 1.500 00 



Total $690,425 00 $767,261 00 $767,261 00 

16 



4,700 00 



122 FTRK AND FIKB AND MARINE INSURANCE 

Loans o ral. 

Tftr t Amount 

Value. aed. 

Hanover National Bank $1,600 00 

Metropolitan National Bank, ) 001 

Central National Bank, 3,750 00 00 I 

Pulton Bank, Brooklyn L,875 00 1.687 60 } l0 ' 000 °° 

Ridgewood Insurance Co.... 1,000 00 1,000 00 J 

V. S. Life Insurance Co...... 9.560 00 14,32.5 00 9,000 00 

Nassau Bunk , ."..000 00 5,250 00] 

Metropolitan Nat Bank 2,000 00 2,720 

Equit. L. Ins. Co.. U. S...... 1,000 00 1,250 00 1,000 00 

N. V. Cen. &Hud. B. R. Co 5,000 00 5,000 00 4.000 00 

U. S. Trust Company 1,000 00 2.G50 00 1,800 00 

Fulton Bank, Brooklyn 3.600 00 3.240 00 2,500 00 

Brooklyn City It. B. Co 2,250 00 

Broadway Insurance Co 1.000 00 1, 750 00 > 

Safe Deposit Co., 1,000 00 1,125 00> 

Delaware & Hud. Can. Co., 1,000 00 1,832 00) 

Phenix National Bank, G. 200 00 6,200 00 .",,000 00 

St. Nicholas Nat. Bank,... 15,000 00 16,500 00 14,000 00 

Universal Life Ins. Co., 1,000 00 1,150 00 B50 00 

L. S. 6a, 188*1 i 1,0 

U S. 6s, 5-20s, 1865 2,000 00 2,360 00 2,000 oo 

U. S. 68, 5-20s, 1865. 3,000 00 3,540 00 3,000 00 



2.000 00 
2,000 00 



Total, 874,425 00 $89,189 50 $63,670 00 $63,670 00 

Cash in Company's principal office, 5,259 04 

Cash deposited in Bank 331,740 72 

Interest accrued on collateral loans, ! I » 1 33 

Net premiums in course of collection, 

Bents due and accrued, 10. l 



Assets of the Company at their actual value $2,584,362 77 

III. LIABILITi; 

b adjusted and unpaid $48 426 00 

Losses reported and unadjusted, 98,402 00 

-resisted. 8,5 00 

Net amount of unpaid losses $155.32 

Re-insurance on fire risks. one year or less $545,199 13 

Ue-insuranoe on inland navigation ri-ks, 486 030 2U 

Amount required to re-insure all outstanding risks $981,229 39 

Principal on unpaid scrip, 562 00 

Interest due and remaining unpaid 13,051 84 

Cash dividends remaining nnpaid 



Total liabilities except capital slock $1,176,761 73 

Capital stock 1,000,000 00 

Surplus beyond capital 407,601 04 



Total liabilities, including capital and surplus $2 584,362 7 



COMPANIES OP' OTHKH STATES. 123 

IV. INCOME DURING THE YEAR, 

Premiums received in cash, $1,882,852 10 

Deduct re-insurance, rebate, abatements and return 

premiums, 205,156 84 



Actual cash premiums, $1,677,095 32 

From interest on bonds and mortgages, 33,577 91 

From interest on loans and dividends on stocks and bonds, 52,140 53 

From all other sources 38,157 52 



Actual cash income, 81,801,571 28 

V. EXPENDITURES DURING THE YEAR: 

Amount paid for losses, (including 122,284 48 occur- 
ring in previous years,) : $724*395 75 

Deduct salvage fcc., 22,396 17 



Net amount paid for losses, $701,909 58 

Cash dividends, 101,021 92 

Scrip or certificates of profits redeemed in cash, 2,352 00 

Commissions or brokerage, 253, 149 93 

Salaries and fees, 197,282 54 

Taxes, 41,059 50 

All other payments and expenses, .. 135,853 08 



Actual cash expenditures, : $1,432, 718 55 

IV. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year 

to run, $147,769,370 00 $1,090,398 25 

Having more than one and not more than three 

yearstorun. 39.070.132 00 439.217 Gl 

Having more than three years to run, 10, 795,958 00 133,580 42 



ol98.241.4GG 00 $1,663,202 28 

Premiums received since the organization of the Company..; $13,119,320 14 

Losses paid since the organization of the Company,... 7,348,870 83 

Cash dividends paid stockholders. 2,543.397 3G 

Stock owned by directors at date, : 30G, 500 00 

Loaned to officers and directors, 14,000 00 

Loaned to stockholders not officers, 9,820 00 

Business in Connecticut in 1874. 

Fire risks taken (no inlnad), $3,887,091 00 

Premiums received on same, .• 42,152 9G 

Losses paid, 19.752 50 



124 FIRE AND FIRE AND MARINE INSURANCE 



KQUITAHLE FIRE INSURANCE COMPANY. 

Nashville, Ti 
Commenced Business, July, 1871. 
W. W. Bebby, President. \V. A. Webb, Secretary. 

Attorney in Connecticut, C, If. Webstkb, Hartford, 

I. CAPITAL. 

Capital actually paid up in cash £'200.000 00 

Subscribed capital, for which obligations are held. 800,000 <:<> 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due. $500 00 

Value of land mortgaged. $1,750 00 

Value of buildings mortgaged 4,500 00 



$6,250 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States 5-20's, $70,000 00 $83,787 50 

Alabama, 10,000 00 7,500 00 

Municipal Bonds : — 

Nashville, City, per cent., 42,000 00 35,662 25 

Jackson City, 10 per cent., 5.12 I 5,120 00 

Edgefield City. 10 per cent., 8,000 00 8,000 00 

Davidson County, Tenn , (5 per cent, 20,000 00 19,199 00 

Bedford •■ " lOperc.,. 12.000 00 12,000 00 

Baywood " "' 8 per cent, 22.00000 L9,800 00 

Bullock County. Ala., 8 per cent.,.. 250 00 250 00 

RaILBOAD BOND8 : — 

Nashville, C. & St. Louis, 8 per c.,.. 8.000 00 7.200 00 

Mis; ! - : — 

:well House. 10 percent, 1,000 00 1,000 00 

Cumberland Iron Works. 10 per c... 10.000 00 

Tennessee Manufg per c... 20,000 00 

' .mmercial I Co 200 00 



Total, $228,570 00 $229,718 75 $229,718 75 



COMPANIES OF OTHEK STATES. 125 



Loans on Collateral. 

Par Market Amount 

Value. Value. Loaned. 



Tenn. Manuf'g Co., $3,000 00 #3,000 00 $3,000 00 $3,000 00 

Cash in Company's principal office, 21.408 89 

Cash deposited iu Bank, 19,069 52 

Interest due and accrued on stocks, 5,720 84 

Interest accrued on collateral loans, 205 00 

Net premiums in course of collection, 15,385 23 

All other property belonging to the Company, 1,329 81 



Assets of the Company at their actual value, $200,128 04 

III. LIABILITIES. 

Losses reported and unadjusted, $10,180 62 

Losses resisted, 8. 500 00 



Total, $18,080 02 

Deduct re-insurance and salvage claims, 7,000 00 



Net amount of unpaid losses, $11,680 62 

Re-insurance on lire risks, one year or less $68,902 48 

Re-insurance on risks more than one year 6.038 17 



Amount required to re-insure all outstanding risks $74,940 05 

Due and accrued for salaries, rent, advertising &c, 541 00 

All other demands against the Company, 2.444 59 



Total liabilities except capital stock, $89, 607 52 

Capital stock, 200.000 00 

Surplus beyond capital, 6, 820 52 



Total liabilities, including capital and surplus, $296. 428 1 

IV. INCOME DURING THE YEAR, 

Premiums received in cash. $190,979 18 

Deduct re- insurance, rebate, abatements and return 
premiums, 8*0,005 39 



Actual cash premiums, $160,973 79 

From interest on bonds and mortgages, 16,892 89' 



Actual cash income, $177,866 GS 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, $51,387 68 

Deduct salvage, 1,232 64 



Net amount paid for losses, $50 155 04 

Cash dividends 30,000 00 

Commission or brokerage, 22. 696 43 

Salaries and fees, K5 775 93 

Taxes, 8,965 90 

All other payments and expenses, 17.377 91 

Actual cash expenditures $145,971 20 



126 FIRE AM) FIKE AND IIAKINE INSURANCE 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than • to 

run, $7,929,55* 137,804 97 

Saving more than one and not more than three 

s to run, 335,460 00 7,096 30 

Saving more than three years to ran .178,033 00 3,418 54 



$8, 143,051 00 $148,319 81 

Premiums received since the organization of the Company, 317,245 22 

i paid since the Company organized. 126,034 06 

Cash dividends paid stockholders [97 08 

Stock owned by directors at date, 21,000 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland) $148,558 00 

Premiums received on same, 3,295 40 

Losses incurred 2, 33 1 37 



EQUITABLE FIRE AND MARINE rNSUUANCE COMPANY. 

Providence, R. I. 

Commenced Business, Septemher, 1800. 

Fked. W. Arnold, President. J. E. Tileinghast, Secretary. 

Attorney in Connecticut, C. M. Webster, Hartford. 



I. CAPITAL. 

'Capital actually paid np in cash, 8200,000 00 

II. ASSETS. 

Heal Estate owned by the Company unencumbered, £112.835 40 

Stocks a?id Bonds owned by the Company. 

Par Value. Market Value. 

Munioip ll Bonds : — 

eyCity, 7's $10,000 00 00 

City of Elizabeth, 25,000 00 23,750 00 

B \ V .K Stocks : — 

Old National Hank, Providence 50,000 00 65,000 00 

National Bank of Com. l ' 15.000 00 15,000 00 



COMPANIES OF OTI1KR STATES. 



12' 



Par Value. Market Value. 



Bank Stocks: — 

American National, Providence, $10,000 00 



Manufacturers Nat. " 

Third National, " 

Fourth National, " 

Union Bank, " 

Butchers & Drovers, " 

First National Bank, Warren. 



10,000 00 
3,000 00 

10,000 00 
5,000 00 
5,000 00 

10,000 00 



$10,500 00 

12.000 00 

3, GOO 00 

12,500 00 

5,000 00 

4,500 0Q 

11.400 00 



Total, $153,000 00 $172,850 00 

Cash in Company's principal office, 

Cash deposited in Bank, 

Premiums in due course of collection, 



Assets of the Company at their actual value, 



$172,850 00 

71 93 

22.127 49 

12.095 11 

$319979 93 



III. LIABILITIES. 

Losses adjusted and unpaid, .$4,037 00 

Losses reported and unadjusted, 2,090 00 

Net amount of unpaid Losses 

Re-insurance on fire risks, one year or less $50,815 99 

Re-insurance on risks more than one year, 12,845 22 



Re-insurance on marine risks, 



i,ca; 



Amount required to re-insure all outstanding risks, 

Cash dividends remaining unpaid, 

Due and accrued for salaries, rent Sec. , , 

All other demands against the Company 



Total liabilities, except capital stock 

Capital stock, 

Surplus beyond capital, 



Total liabilities including capital and surplus. 



$6,727 00 



63 


.328 


4G 




231 


50 


1 


,200 


00 




500 


00 


873 


,989 


96 


200.000 00 


45 


,989 


97 



119,979 93 



IV. INCOME DURING THE YEAR, 



Fire. 

Premiums received in. cash ,. $12(5,810 95 

Deduct re-insurance, rebate, abatements 

and return premiums 15,485 7' 



Marine. 
$11,G28 81 

586 70 



Actual cash premiums, $111,331 18 $11,042 11 $122,373 29 

From interest on loans and dividends on stocks and bonds, 14,824 G8 

Income from all other sources. 1,123 01 

Actual cash income. $138,320 98 



]2H fire and PIKE AND marine insurance 

V. BXPENDITUEES DURING THE YEAR. 

Fire. Marine. 

Am'l paid for looses,! including $ LO, 77" 92 

ooonrring in previous years,) $47. .",44 | 43 

Deduct salvage Ac, (97 

Net amount paid for losses, $47,544 24 $7,137 16 $64,681 70 

Gash dividends, 19,949 00 

missions or brokerage. 17" 

Salaries, fe- s, Arc 

Paid for State, national, and local taxes, 8,796 81 



Actual cash expenditures $114,299 07 

VI. MISCELLANEOUS. 

Fire Premiums, 

Risks in force having not more than one year to nm$6,851,725 10 $105,439 G3 

Having more than one and not more than three 

years to run 1,204.074 00 18,343 75 

Having more thau three years to run,... 31)7,414 33 0,330 52 



153,213 43 $130,119 90 

Marine, Premiums 

$103,431 00 $1,637 25 

Premiums received since the organization of the Company 1,060,355 48 

Losses paid since the Company organized, 933,6."6 37 

Cash dividends paid stockholders, 11)3,000 00 

Stock ovmed by directors at date, 41,300 00 

Business in Connecticut in 1874. 

Fire and marine risks taken, $209,463 86 

Premiums received on same 3,660 16 

Losses paid , 3, 9 70 13 



COMPANIES OF OTHER STATES. 129 



EXCHANGE FIRE INSURANCE COMPANY. 

New York City. 
Commenced Business May, 1853. 
Richard C. Combes, President. George W. Montgomery, Secretary. 

Attorney in Connecticut, Judah Frisbte, New Hjlvbn. 



I. CAPITAL, 
Capital actually paid up in cash, $200,010 00 

II. ASSETS. 

Loans on bond a?id mortgage, (first liens) not more than one 

year's interest due, $165,450 00 

Interest accrued on bond and mortgage loans. 3,055 50 

Value of land mortgaged, $250,500 00 

Buildings (insured for $102,500), 190,000 00 



$440,500 00 



Stocks and Bonds oinied by the Company. 

Par Value. Market Value. 

IT. S. Stocks : — 

U. S. reg. Bond, 1881, $40,000 00 $47,400 00 

"'coup. '• 18G7, 50,000 00 59,250 00 

"" " " 1864, 40.000 00 46.000 00 



Total $130,000 00 $153,250 00 $153,250 00 

Loans on Collateral. 

Par Value. Market Value. AmtLoaned. 

Harlem Gas Light Co., $2,950 00 $3,087 00) 

Peter Cooper Fire Ins. Co.... 750 00 1,125 00 - $4,000 00 

Broadway " " '•.... 750 00 1,125 00 ) 

Kutgers " " .... 2.000 00 3,000 00^ 

N. Y. Equitable " 1,050 00 1,575 00 I 

Citizens Bank, 1,500 00 1,875 00 [ °' 000 00 

Oriental Bank 700 00 1,050 OOj 

Nat. Mech. Banking Assoc'n, 5,250 00 5,500 00 5,000 00 

German American Bank 1,000 00 1,000 00 \ 2 000 00 

Harlem Gas Light Co., 1,500 00 1,875 00 > 

St. Nicholas Fire Ins. Co 1.275 00 1.275 00 700 00 

17 



13U KIKE AND FJKK AND ICAK1NK INSUUANCK 

I'm '• A int. Loaned. 

.«> 001 

i;tl Bank 500 00 7"<" 00 I 

"" ( '" 

U. S Q >v*t, ipon,... 1,000 00 1,180 00 • 

500 00 I 00 500 

■•.. bonds I 5,820 00 5,000 00 

rn 11. B 1,000 00 00 500 00 

: : .!i A Jamaica R. R.,.. 1,0 K) 800 00 

Brooklyn Permanent Loan,. 1,000 00 600 

tfalsters Ins. Co.. 500 00 > 00 250 00 

iEtna Insorance Co., 2,000 00 2,000 00 1,250 00 

Dei A Hudson Canal Co 5,000 00 5,900 00 

Manhattan Life Ins. Co 1,500 00 " : l 



Total, |41,6 -" - 650 00 

Cash in Company's principal office, 1,947 7)4 

Cash deposited in Bank, 7,911 41 

Interest accrued on collateral loans, 

Net premiums in course of collection. 14,89-1 91 

Rents due and accrued 541 <JG 



• t8 of the Company at their actual value, $1 

III. LIABILITIES. 

- reported and unadjusted. $4,900 00 

Losses resisted. 4.500 00 



Net amount of unpaid lossess 9.400 00 

Re-insurance on fire risks, one year or less $74,752 29 

Re-insurance on risks more than cue year, 3,279 68 

Re-insuranee on inland navigation risks 110 0'J 

Amount required to re-insure all outstanding risks $78,141 97 

Cash dividends remaining unpaid 421 20 

Due for salaries, printing, &c 1,500 00 



Total Tliabili ties except capital stock *>9.4('»3 17 

Capital stock 2 • ."10 00 

Surplus beyond capita] 92,615 43 

al liabilities, including capital and surplus 

IV. J N < M M E DURING THE YEAR. 

M a 
Premiums received in cash, -1 $1,29 

Deduct re-insurance, rebate, abatements 

and return premiums, 19,242 7:-! 



Actual cash premiums - 1,291 26 $207,131 34 

Interest on bonds and moi 366 84 

From interest on loans and dividends on stocks and bonds 

Prom Bents Ac 250 00 



Actual cash income $231,139 74 



COMPANIES OF OTHER STATES. 3 31 

V. EXPENDITURES DURING THE YEAR, 

Amount paid for losses, (including $8,211 12 occurring in pre- 
vious years), $83,403 01 

Cash dividends, 20,001 00 

Commission or brokerage 28,117 41 

Salaries and fees 21,220 00 

Taxes 4,307 51 

All other payments and expenses. 11.325 00 



Actual cash expenditures, $1(58,403 93 

VI. MISCELLANEOUS. 

Fire. Premiums. 

Risks in force having not more than one year 

run, $19,090,031 00 $149,504 58 

Having more than one and not more than three 

years to run, 465,878 00 6,437 54 

Having more than three years to run, 143,966 00 2,309 16 



$19,705,875 00 $158,251 28 

Marine. Premiums. 

$5,500 00 $220 00 

Premiums received since the organization of the Company, 1,884,958 24 

Losses paid sinco the Company organized, 1,207,038 99 

Cash dividends paid stockholders, 122,502 50 

Stock owned by the directors at date, 78,870 00 

Loaned to officers and directors, 43,000 00 

Loaned to stockholders, not officers 23,250 00 



Business in Connecticut in 1874. 

Fire risks taken, $i29,100 00 

Premiums received on same, ;..; 1,590 04 

No losses. 



132 PIRE AND FIRE AM) MARINE INSURANCE 



FAME FIRE [NSURANCE COMPANY. 

Philadelphia, Penh. 
Commenced Business September, 1836. 

Chap. Richardson. President. Williams L Blanchard, Secretary. 

Attorney in Connecticut, George S. Lester, New Haven. 



I. CAJTIAL. 
Capital actually paid up in cash, 8200, 000 < i0 

II. ASSETS. 
Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 126,100 00 

Interest accrued on bond and mortgage loans, 2 . 620 25 

Value of buildings mortgaged, £282,700 00 

Stock* and Bonds oicned by the Company. 

Par Value. Market Value. 

Bank Stocks : — 

National Bank of Republic $50,000 00 850.000 00 

Second National Bank, 10,000 00 10,800 00 

Municipal Bonds : — 

Philadelphia City, 7 per c,, untaxed,. 20,000 00 20,800 00 

Pittsburgh City, 7 per c, 15,000 00 15,262 50 

Commercial Exchange, 400 00 400 00 

Total, $95,400 00 $97,262 50 $97,262 50 

Loans on Collateral. 

Par flfai Amount 

Value. Value. Loaned. 

Cumberland Nail |7,000 |6,500 00 

Nat. Bk. Northern Liberties, 1,850 00 ! 662 00 3,000 00 

" " Republic, 3,000 00 3.000 00 700 00 

Ind. ft Bloomington R. R.... 2.0(H) <)<> 1,600 00 1,000 00 



Total $13,850 00 $17,662 00 $11,200 00 $11,200 00 

All other loan* 10,000 00 

Cash in Company's principal office 2.753 07 

Cash dep «ted in Bank, 5. L90 19 



COMPANIES OF OTHER STATES 



133 



Interest accrued on stocks, 

Interest accrued on collateral loans,... 
Net premiums in course of collection, 
All other property, salvages, &c, 



Assets of the Company at their actual value, 



$1) 


316 


67 




586 


59 


20, 


321 


:;.-, 




37 


50 



77,388 12 



III. LIABILITIES. 
Amount required to re-insure all outstanding risks, 
Amount reclaimable on perpetual policies, , 



Total liabilities except capital stock. 

Capital stock, 

Surplus beyond capital, 



$42,691 40 
23,585 73 

$66,277 13 

200.000 00 

11,110 09 



Total liabilities, including capital and surplus, $277,388 1 2 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $108,230 12 

Deduct re-insurance, rebate, and return premiums, .... 17,572 32 



Actual cash premiums, 

From interest on loans and dividends on stocks and bonds,. 
From Bents , 



$90,657 80 

15,635 87 

450 00 



Actual cash income, $106 743 6' 



V. EXPENDITURES DURING THE YEAR, 

Net amount paid for losses, 

Commissions or brokerage, 

Salaries and fees, 

Taxes, 

All other payments and expenses, 



Actual cash expenditures, 



$30,484 63 

18,489 48 

8.433 26 

1,941 56 

12,431 93 

$71,780 86 



VI. MISCELLANEOUS. 

Fire risks in force, $6,383,386 00 

Perpetual risks in force, , 993,250 00 



$7,376,636 00 

Premiums received since the organization of the Company, 

Losses paid since the organization of the Company, 

Cash dividends paid stockholders, 

Stock owned by directors at date, 

Loaned to officers and directors, 

Loaned to stockholders not officers, 



Premiums. 
$83,370 74 

24,931 50 

$108,302 24 

613,274 55 

350,987 53 

46.531 46 

124,000 00 

6,500 00 

4,700 00 



Business in Connecticut in 1874. 

Fire risks taken (no inland,) , 

Premiums received on same, 

Losses paid 



5524,591 34 
9,240 07 
9.914 79 



1'W FIRE AND FIRE AND MARINE INSURANCE 



FANEUIL HALL FIRE INSURANCE COMPANY. 

Boston, Mass. 

Commenced Business March, 1872. 
K. S. Chaffee, President. J. W. Kinsley, Secretary. 

Attorney in Connecticut, C. C. Kimball, Hartford. 



I. CAPITAL. 
Capital actually paid tip in cash, $200,000 00 

II. ASSETS. 
Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 8124,560 00 

Interest accrued on bond and mortgage loans, 2,520 90 

Stocks and Bonds owned by the Company. 

Par Value, Market Value. 

Bank Stocks : — 

Massachusetts Bank, Boston, $2,500 00 $3,168 75 

Globe ik " 10.000 00 13,725 00 

Howard 4i " 10,000 00 11,500 00 

Hamilton " " 9,500 00 12,302 50 

Rockland " " 7,500 00 12,000 00 

Hide & Leather " " 6,300 00 7,52100 

Atlantic " " 5,000 00 7,250 00 

Commerce " " 3,000 00 3,802 50 

Merchants " " 2,000 00 2,835 00 

Traders " " 5,800 00 6,641 00 

First National " " 3,300 00 6,933 25 

Eliot " " 2,500 00 3,068 75 

FaneuilHall " " 4,700 00 6,920 75 

First National " Newburyport, 3,000 00 4,360 00 

Railroad Bonds : — 

Eastern R. R. 1st mortg., 20,000 00 19,000 00 

" 1,000 00 950 00 

Municipal Bonds : — 

Town of Somerville, (now city), . 25,000 00 25,500 00 



Total $121,100 00 $147,483 50 $147,483 50 



COMPANIES OF OTHER STATES. 



135 





Loans on 


Collateral. 








Par Value. 


MarketValue. 


Am't Loaned. 






$250 00 


$315 85 1 






Tremont " 


600 00 


742 50 




• 




300 0(1 

300 00 
100 00 
200 00 


380 25 
450 00 
136 75 
322 76 






Bunker Hill " 




North " 








Boston " 


500 00 
1,500 00 


626 25 
2,580 00 


► $14,000 00 








Blackstone " 


600 00 


846 00 






Traders " 


1,000 00 


1,14.5 00 






Goodyear Den. Vul. Co...... 


14,000 00 


3.500 00 






Exchange Bank. 


2,500 00 


4,500 00 J 




Brewers & Maltsters Ins. Co. 


2,700 00 


2,700 00 


2,500 00 




Long Wharf Corporation,.... 


6,600 00 


8,250 00 


5,000 00 




Burl. & Ced. Bap. & M. E.E. 


2,000 00 


1,400 00 


1,200 00 




Montp. & Vv . Eiver R. R , ., 


40,000 00 


24,000 00 


16,173 80 




Deposited in S. Boston Bank 










and hypothecated to us as 










collateral loans, $800. 


838 00 


838 00 


800 00 
J $39,673 80 




Total, 


$73,988 00 


$52,733 3( 


$39,673 80 


Cash in Company's principal 


office, 






2,109 79 


Cash deposited in Bank. 








5,994 80 


Interest accrued on stocks and bonds,... 






872 91 








33,527 10 
$356,742 80 


Assets of the Compan 


v at their actual value,.. 





III. LIABILITIES. 

Losses adjusted and unpaid. $10,476 26 

Losses reported and unadjusted, 6,150 00 

Losses resisted, 180 00 

Net amount of unpaid losses, $16,806 26 

Re-insurance on fire risks, one year or less,.. $89,929 30 

Re-insurance on risks more than one year, 13,695 69 

Amount required to re-insure all outstanding risks, 103,624 99 

Cash dividends remaining unpaid, 385 00 

Due for salaries, printing, &c, 300 00 

Total liabilities except capital stock, $121,116 25 

Capital stock, 200,000 00 

Surplus beyond capital, 35,626 55 

Total liabilities, including capital and surplus, $356,742 80 



L36 FIRE AND FIRE AND MARINE INSURANCE 

IV. DTCJOME DURING THE Yi 

Premiums received in cash $217,932 on 

Deduct re-insurance, eta and return 
premiums 24,133 SO 



A *tu d cash premiums 

From interest on loans and dividends on stocks and bond.-. 182 22 



Actual cash income, $214,2 

V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $3,150 occurring in previous 

years) >:,2. i;,2 :,2 

Cash dividends , 

Commissions or brokerage 37.": 1 

Salaries and fees 22,363 45 

5,840 3G 



Actual cash expenditures, $127,441 73 



IV. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run, $10,5GG,G09 00 81" - 

Having more than one and not more than three 

years to run 1,200,396 00 20,872 1G 

Having more than three years to run, 375.G00 00 L9 22 



6-.i"7.249 98 

Premiums received since the organization of the Company r. 4 7 . '. - • 5 47 

Losses paid since the Company organized. 220,i 

Cash dividends paid stockholders 10,000 00 

Stock owned by the directors at date. 700 00 

Loaned to officers and directors, 61,87 

Business in Connecticut in 1874. 

Fire risks taken (no inland) - 38, 559 00 

Premiums received on same, , 

Losses paid, 5,276 43 



COMPANIKS OF OTHKH STATES. 137 



FARRAGUT FIRE INSURANCE COMPANY. 

New York City. 

Commenced Business. January. IS 72. 

John M. Furman, President. Samuel Darbee, Secretary. 

Attorney in Connecticut, J. E. Fuller, Norwich. 



I. CAPITAL. 
Capital actually paid up in cash $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, $79,200 00 

Interest due and accrued on bond and mortgage loans, 1,3.56 83 

Value of the lands mortgaged, $74,250 00 

Value of buildings mortgaged (ins. for $101,650) 101,050 00 

$175,900 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks: — 

United States 5-20's 1805, new, $75,000 00 $87,937 50 

" 10-40's, 85,000 00 97,325 00 

Bank Stocks : — 

Fourth National Bank, 10,000 00 9,700 00 



Total, $170,000 00 $194,902 50 $194.9(52 50 

Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Fourth National Bank $1,000 00 $970 00) & 1 000 0() 

Enterprise Ins. Co., 300 00 300 00) 

Manufacturers Nat. Bank 15,000 00 15,000 00 

Peoples Gas Light Co., 1,000 00 900 00 

Guardian Insurance Co 1,000 00 800 00 

Broadway K. K. Co., B'klyn, . 4,000 00 0,000 00 

'• " " 17,500 00 26.250 00)^ 

Brooklyn Ferry Co., 7,500 00 11,250 00) 

U. S. 5-20's, bonds 1807,. . . . 7.000 00 8.540 00 

18 



10,000 


0(1 


800 


00 


500 


00 


3,600 


00 


22,000 00 


7.000 00 



i.v I-1KK \ni. FIRE AND MARINE INSURANCE 

Par Market Amount 

Value. Value. Loaned 

Fourth National Bank $20,0 

United States LO-40's 

Adama I'., 5,000 00 5,800 00] - (ii 

Uneri ■•>:. I o L0,< 00 00 6,21 I 



• J, - - ^61,900 00 $01,900 00 

Cash in C tmpany's principal office 1,393 18 

Cash deposits 1 in Bank 259 93 

Interest accrned on collateral loans !.< - 

Net premiums in dne course of collection, - 304 24 

All other property belonging to the Company 

tssets of the Company at their actual value, $382,097 <»1 



III. LIABILITIES. 

Losses reported and unadjusted. 

Losses resisted 3,000 00 



Net amount of unpaid losses, - ,000 00 

He-insurance on risks, one year or less $75,1 x 7 21 

Re-insuvanee on risks more than one year 4.777 05 



Am >unt required to re-insure all outstanding risks, 80,464 2fi 

Salaries, fees Ac 2,5< 



Total liabilities, except capital stock, $91,964 20 

Capital stock, 200,( 

Surplus beyond capital. 90,1 

Total liabilities, including capital and surplus. $382,097 01 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $176,157 56 

Deduct re-insurance, rebate, abatements and return 

premiums. 7.4: .;, ;•} 

Actual cash premiums ^'ltns.721 f>2 

From interest on loans and dividends on stocks and bonds 20,420 02 



Actual cash income $189,141 04 

V. EXPENDITURES DURING THE YEAR 
Amount paid for losses, (inelnd stirring in pre- 
vious years) >\. '..:'.'.'*. 70 

Cash dividends 

Commissions or brokerage lb 7 

Balaris 

i 3 3,188 B3 

All other payments and exj 22,782 96 



ncti t ures $126,150 92 



COMPANIES OF OTHKIi STATES. l:j!) 

VI. MISCELLANEOUS. 

Premiums. 

Risks iu force having not more than one year to 

run, $25,879,756 00 $151,374 41 

Having more than one and not more than three 

years to rim. 519,787 00 5,407 OS 

Having more than three years to run, 177.100 00 2,915 40 



$26,576,643 00 $159,756 95 

Premiums received since the organization of the Company, 438,08.") 59 

Losses paid since the organization of the Company, 100,143 57 

Cash dividends paid stockholders, 47.000 00 

Stock owned by directors at date 98,250 00 

Loaned to officers and directors, 44, 000 00 

Loaned to stockholders not officers, 18,300 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland), $7,625 00 

Premiums received on same, 117 01 

Losses paid, 3,919 20 



FIRE ASSOCIATION OF PHILADELPHIA. 

Philadelphia. Penn. • 

Commenced Business March, 1820. 
Wm. T. Butlek, President. Jacob H. Lex, Secretary. 

Attorney in Connecticut, Silas Chapman, Jr., Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $500,000 00 

II. ASSETS. 

Ileal Estate owned by the Company unencumbered, #5"), 020 70 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 1.508,402 05 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, 12.400 00 

Interest due and accrued on bond and mortgage loans, 4, 885 31 

Value of land mortgaged, $1,650,600 00 

Buildings (insured for $1,248,050) 2,784,050 00 

.$4,434,650 00 



11<» 11KK AND FIKK AND MARINE [NSUKANCK 

Bonds owned by tin Company. 

I'.n Value. Market Value. 

V . S. «.m, S. i - . — 

CT. 8. reg. bonds, L881 ((140,000 00 £169,44 

U.S. " 5-20'i 235,000 00 277,300 00 

Perm. State loans 16,800 00 18,144 00 

Kail. is — 

Penn. K. R. Stock 100,000 00 106,250 00 

" dividend scrip 77,672 50 81,944 

Lehigh Valley R. B 20,000 00 21,400 00 

PhiL & Beading R. E 10,000 00 10,525 00 

•• stock 50,000 00 55,000 00 

PhiL ftErie R. R 14,000 00 12,250 00 

kwissa R. R 10,000 00 10.4(H) 00 

Phil. Ger. & Norristown R. B 15,660 00 15,660 00 

Chestnut Hill R. R. .stock, 2,700 00 2,700 00 

□PAL BOND8 : — 

Philadelphia City loan. 350,000 00 365,750 00 

Pittsburg. City ,... 50,000 00 50,000 00 

Camden City 6,000 00 6,360 00 

Miscellaneous : — 

Masonic Temple loans. ... 10,000 00 10,525 00 

Fire Association stock 19,050 00 76,200 00 

Total $1,126,882 50 $1,289,808 36 $1,2* 

( lash deposited in Bank. 127.305 98 

Interest accrued on stocks 4. 2 10 00 

Net premiums in course of collection, 97,073 7(1 



Total. $3,099,166 16 



III. LIABILITIES. 

Losses adjusted and unpaid $15,734 52 

Losses reported and unadjusted, 48,000 32 

Losses resisted, .">,411 13 



Net amount of unpaid losses, $69,145 9' 

Re-insnrance on fire risks, one year or less $499,184 7^ 

lie-insurance on risks, more than one year, 4o 348,83 



Amount required to re-insure all outstanding risks. $539,533 61 

Amount reclaimable on perpetual policies 1,498,594 

Cash dividends remaining unpaid, 1,798 11 

Due for salaries, printing, &c 902 00 

2,453 76 



Total liabilities except capital stock $2,112,429 11 

Capital stock 500,000 00 

Surplus beyond capital 486,787 On 

Dotal liabilities, including capital and snrplnfl $3,099 166 l<"> 



COMPANIES OF OTHER STATES. 14 L 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $1,103,425 52 

Deduct re-insurance, rebate, abatements and return 

premiums, 102,470 45 

Actual cash premiums, $1,000,955 07 

Prom interest on bonds and mortgages, 89,433 92 

From interest on loans and dividends on stocks and bonds, 75,818 52 

From all other sources, 202,696 15 



Actual cash income, $1,368,903 6(5 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including 26,488 67 occur- 
ring in previous years,) $349,464 61 

Cash dividends, 118,201 86 

Commissions or brokerage, 221,097 90 

Salaries and fees, 39,806 69 

Taxes, 20,573 05 

All other payments and expenses, 1,268 55 



Actual cash expenditures. $750,412 HG 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run, $62,694,752 39 $898,369 56 

Having more than one and not more than three 

years to run, 2,047,336 74 36,743 25 

Having more than three years to run, 1,71)0,841 00 43,954 42 

Perpetual risks in force and interest premiums,. 62,921,907 01 1,577,469 08 



$129,454,837 17 $2,556,536 31 

Premiums received since the organization of the Company 3,754,816 33 

Losses paid since the Company organized, 1,314,949 ~){\ 

Cash dividends paid stockholders, 839,762 03 

Stock owned by directors at date, 89,850 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland), $1,606,212 62 

Premiums received on same, 25,660 25 

Losses paid, 1!».490 74 



142 KIKE AND 111: i: AND MAHINK INSURANCE 



FIREMANS FUND FIRE [NSURANCE COMPANY. 

S\.n Fbancibco, Cal. 
Gommenoed Business June, 1863. 

David J. Staplks. Pn sidi nt. George D. Doknin. Secretary, 

Attorney in Connecticut, C. B. Bowebs, New Haven. 



I. CAPITAL. 
Capital actually paid up in cash, 9300,000 00 

II. ASSETS— ON GOLD BASIS. 

Real estate owned by the Company unencumbered, $165,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due 120,.V72 00 

Interest accrued on bond and mortgage loans, 701 42 

Total value of mortgaged premises (ins. for $77,000) $282,550 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. and State Stocks : — 

United States, bonds, >i:{3,")00 00 $148,195 00 

California, , 1,000 00 1,000 oil 

South Carolina, 10.000 00 2,<!00 00 

Municipal Bonds : — 

San Francisco, City and County, . 18,000 00 18,000 00 

Bank Stocks : — 

Bank of California, 20,000 00 $00 00 

First Nat. Gold Bk, San Francisco, 10,000 00 1 1 ,::.(•< N I 



Total, $197,600 00 $208,345 00 $208,345 00 

Li m us on < 'ollati ral. 

Par Value. Market Value. Amt. Loaned. 

Masonio HalL approv. indora $4,000 00 $4,000 00 $4,000 00 

California Bank 10,000 00 13,400 00 10,000 00 

•• 30,000 00 10,200 I 30,000 00 

California Powder Go., 16,700 00 16,000 00 6,000 00 

Vir & Gold Hill Water Co.,.. 75,000 00 15,000 00 10,000 00 



Total $135,700 00 $88,600 00 $60,000 <»*> $60, I 00 



COMPANIES OF OTHER STATES. H3 

All other loans, $3 073 19 

Cash in Company's principal office 5,892 86 

Cash deposited in Bank 25,913 93 

Interest accrued on stocks, 640 00 

Net balances in hands of managers, and in course of transmission 25,749 24 

Net Premiums in course of collection, 23.4:51 42 

Bills receivable 22.289 75 

All other property belonging to^ the Company 250 00 

Assets of the Company at their actual value $ 661,808 81 

III. LIABILITIES. 

Losses reported and unadjusted, 831,870 Gl 

Losses resisted, 2,12(5 2.") 



Net amount of unpaid losses, $?3,906 86 

Re-insurance on lire risks, one year or less $219,734 00 

Re-insurance on risks more than one year, 8,676 00 

Re-insurance at 50 per cent, on marine time risks 25,345 (JO 

Premiums received and receivable on marine risks.... 10,163 52 



Amount required to re-insure all outstanding risks 263,919 12 

Cash dividends to stockholders remaining unpaid, 481 81 

Marine bills payable, 1,784 00 

All other demands against the Company, 1,677 54 



Total liabilities, except capital stock, $301,859 33 

Capital stook, 300,000 00 

Surplus beyond capital. 59,949 48 



Total liabilities, including capital and surplus, $661.8(8 81 



IV. INCOME DURING THE YEAR. 

Fire. Marina 

Premiums reoeived in cash, $552,626 05 $136,112 85 

Deduct re-insurance, rebate, abatements 

and return premiums, 65.348 11 44,463 55 



Actual cash premiums, 8487.277 94 891,649 30 8578,927 24 

Bills and notes for unpaid premiums, , 22,239 75 

From interest on bonds and mortgages, 17,067 44 

From interest on loans and dividends on stocks and bonds, 9.000 00 

Income from all other sources, 18,702 52 



Actual cash income, $623,697 20 

V. EXPENDITURES DURING THE YEAR. 

Fire. Manse 

Anit paid for losses, (including 821. 709 24 

occurring in previous years,) $252,185 76 $53,038 37 

Deduct salvage etc. , 21.833 48 3,580 83 



Net amount paid for losses. 8230,352 28 849.457 54 8279.809 82 



Ill 



FIKK AM) FIRE AND MARINE INSURANCE 



dash dividends *<;;;. 27 j 17 

Ckmimisa&ons or brokerage 7 7. :'.:»:> 09 

Salaries, fees, a ■■• 

Paid for State, national, and local taxes, 1 1 . i ; ; 7 ::i 

All other payments and expenses, 

Actual oash expenditnrea 



\r. MISCELLANEOUS. 

Fir,-. Preminma. 

Bisks in force having not more tljan one year to rnn$27, 687, 766 00 $439, 1 

Having more than one and not more than three 

years to ran .' 1,212,52100 10,64* - 

Having more than three years to ran, 245,090 <)<> ri2 93 

$29,1 t5,367 00 $453,829 77 

Marine. Premiums 

•• >33,767 00 $60,854 72 

Premiums received since the organization of the Company 3, 128,564 00 

Losses paid since the Company organized. 2,403,023 81 

Cash dividends paid stockholders. 555,< 

Stock owned by directors at date, 66,500 00 

Loaned to officers and directors, 16,0< 

icss in Connecticut in 1874, 

Fire and marine risks taken. $746,431 <><> 

Premiums received on same 9,584 35 

s paid, 4,996 56 



companies of othkk status. . 14. r » 



FRANKLIN FIRE INSURANCE COMPANY. 

Philadelphia, Pexx. 

Commenced Business June, 1820. 

Alfred G. Baker, Pi-esident. Theodore M. Keger, Secretary. 

Attorney in Connecticut, J. W, Smith, Wajberbnry. 



I. CAPITAL. 
Capital actual!}' paid up in cash. , *i00,000 00 

II. ASSETS. 

Eeal Estate owned by the Company unencumbered. $110,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, % 2, 412,110 10 

Interest due and accrued on bond and mortgage loans. 37.323 55 

Buildings mort, (ins. for $2, 476, 894, 24) $5,399,515 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States, 1881, $5,000 00 $5,925 00 

5-20X18(32, 135.000 00 154,575 00 

" " 1864, 20.000 00 33,250 00 

" 1865 41,000 00 52.030 00 

11 10-40's, 40,000 00 46,100 00 

Alabama State, 10,000 00 4.000 00 

Mississippi State, warrants, 15,003 <»0 12,750 Of) 

State of New Jersey, exempt, 5,000 00 5,100 00 

Municipal Bonds: — 

Philadelphia City 0's, new, 50,000 00 52,250 00 

City of Cincinnati 7-30's, 4.000 00 4,140 00 

" " 6's 6.000 00 5,460 00 

City of Pittsburgh 7 t s, 10,000 00 10.150 00 

City of "Rochester 7's, 6.000 00 6,000 00 

City of Camden 6,h 1 . 000 00 950 00 

Railroad Bonds: — 

Pennsylvania R. Pi., 1st mortgage, 15,000 00 15.150 00 

Phila. & Reading R. R. 7's 3,000 00 3.150 00 

" 1893, 6's..... 5.000 00 4,000 00 

Harrisburg, P. L. & Alt. Joy 6's 25,000 00 25,000 00 

West Jersey R, R., 7.000 00 7.210 00 

10 " 



14J> FIRE AND I'IKK AND MARINE [NSURANCR 

Pai \ aloe. ftfarkel Value. 

Bans Stocks : — 
Commercial National Hank $5,000 00 $6,100 00 

: — 

American Steamship Co 10,000 00 

Continental Hotel Co L,600 00 l. : to I 



Total $422,600 co |452.730 00 ^[r^.Tiu, 00 

/,•• ins on ( 'ollateral. 

Par Value. Market Value Amt Loaned. 

Onited 8tates5-20's $11,000 00 $13,007 50 $10,400 00 

Lehigh Val. R. R. 1st morfc., 1,000 00 1,010 00 200 00 

NorthPenn. R. R. 10's, 500 00 525 00) 

Hestonvi'le F. c: M. R. R.,. 2,500 <><) 1,850 Of)) 

" ; - . 2,500 00 1,850 00 1.700 00 

- . 1.2.0 00 925 00> w 
Penn. Salt Mannf'g Co...... .00 00 800 ou) 

Einauns Iron Co., 8,000 00 7,600 00 0,000 00 

Lehigh Valley K. R., 6,3&Q 00 7,747 00 5,900 00 

Pennsylvania R. R 5,800 00 0,148 00 3,700 00 

West Phila. P. It. W. Co.,... 3,500 00 8,400 00 5,750 00 

Fidelity Trust & S. D. Co.,. 15,000 00 30,000 00 15,000 00 



2,200 00 



Total, $57,900 00 $79,862 50 $52,150 CO $52,150 00 

Cash in Company's principal office, 15 80 

Cash deposited in Bank, 169,632 00 

Interest accrued on stocks, 900 00 

Interest accrued on collateral loans 482 25 

Net premiums in due course of collection, 52,320 10 

All other property belonging to the Company, 356 25 



Assets of the Company at their actual value, $3,296,906 01 

III. LIABILITIES. 

Losses adjusted and unpaid, $('.4,3(55 i»7 

1 3 reported and unadjusted, 9, 351 00 

Losses resisted, 8,750 00 



Total, $82,466 97 

Re insurance on fire risks, one year or less, $558,778 13 

Re-insurance on risks more than one year, 350,98(5 87 



Amount required to re insure all outstanding risks, $909,765 00 

Reclaimable on perpetual risks, 1,358,377 10 

Cash dividends remaining unpaid. !•<> oo 

Money on deposit 111." 



Total liabilities except capital stock. $2,465,205 07 

Capital stock WO ooo 00 

Surplus beyond capital, 431,700 98 



Total liabilities including capital and surplus $3,296,906 05 



COMPANIES OF OTHEK STATES. 147 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $1,324,167 21 

Deduct re-insurance, rebate, abatements and return 
premiums, 176,319 13 

Actual cash premiums. $1,147,848 08 

From interest on bonds and mortgages, 152,648 02 

From interest on stocks and bonds and stock loans 18,217 57 

From all other sources, 9,018 Do 



Actual cash income, $1,327,782 60 

V. EXPENDITURES DURING THE YEAR. 

Net amount paid for losses, $578,726 08 

Cash dividends, 128,288 00 

Commissions or brokerage, 1 99,400 78 

Salaries and fees, 97,954 13 

Taxes, 40,920 84 

All other payments and expenses, 188,110 69 



Actual cash expenditures, $1,183,400 52 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run, $76,512,290 35 $1,117,556 26 

Having more than one and not more than three 

years to run, 26,569,290 19 384,875 86 

Having more than three years to run, 6,474,839 50 118,004 70 

Perpetual risks in force and interest premiums, ... 54,997,391 19 1,441,558 48 



$164,553,811 23 $3,061,995 80 

Premiums received since the organization of the Company, 16,020,221 48 

Losses paid since the Company organized, 9*310,920 18 

Cash dividends paid stockholders, 8,192,000 00 

Stock owned by directors at date, 57,500 00 

Loaned to stockholders not officers; 12,8.~0 00 

Business in Connecticut in IS 74. 

Fire risks taken, (no inland) $2,712,779 96 

Premiums received on same. 40,(329 4(5 

Losses paid, 25,774 05 



11 s KIKE AND l'll:K AND MARINE INSURANCE 



I-'IIANKLIX FIRE EN SUli AN CE COMPANY 

"i.:s. Im). 
Commenced Business October, 1871. 
. Shoemaxeb, President. John A. Child, Secretary. 

Attorney in Connecticut^ Geo. S. Lesteb, New Haven. 



I. CAPITAL. 

Capital aetually paid up in cash $2-46,100 00 

II. ASSETS. 

Real Estate owned by the Company unencumbered 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 

Loaus on bond and mortgage, (first liens) more than one year's 

interest due 

Iuterest accrued on bond and mortgage loans. 

V ■due of the lands mortgaged $158,000 00 

Buildings mortgaged, (insured for $26,000) 7."., 000 00 



(55 4-1 


77,857 09 


5,000 00 


712 11 



$233,000 (i<) 



Stocks and Bonds owned by tin Company. 

Par Value* Market N alue. 

Municipal Bonds: — 

Columbus City, 10 per c, $25,000 00 $25,000 00 

Franklin City,10perc 1,500 00 1,500 00 

M tin County, 10 per c 5,000 00 5,000 00 

Railroad Bonds: — 

Butsch, Dickson A Hush. Lstmort., 12,000 00 12,000 00 

M I-' : LLANEOX78: — 

Indianapolis Cotton Manuf 'g Co lo. Odd 00 1().(H)0 00 



rota] $53,500 00 $53,500 00 $53,500 00 



COMPANIES OF OTIIKK STATES. 149 



Loans on Collateral. 



Par Market Amount 

Value. Value. Loaned. 

Indianapolis Sentinel Co.,... $5,000 00 $5,000 00 $2,500 00 

Meridian National Bank,.... 10,000 00 12,000 00 7,1)12 22 

Indianapolis Insurance Co.,. 11.000 00 12,100 00 10,617 28 

Franklin Gas Co., 1, 300 00 1,625 00 1.254 90 

Indianapolis Boiling Mill Co 17*500 00 14,000 00 8.546 04 

Franklin Gravel Boad Co.... 1,100 00 090 00 450 00 

I. M. ft LB. B. l.o., 20,000 00 20,000 00 15,459 78 

Indianapolis Street B. E 11.500 00 11,500 00 8,320 14 



Total £77,400 00 $77,215 00 $55,060 36 $55,060 36 

Cash in Company's principal office, 5,292 32 

Cash deposited in bank 47,698 43 

Interest accrued on stocks and bonds, 2,005 70 

Net premiums in course of collection, 28,267 85 

Bills receivable. 990 54 



Assets of the Company at their actual value, $359,439 87 



III. LIABILITIES. 

Losses adjusted and unpaid, $13,089 43 

Losses reported and unadjusted, 1,500 00 

Net amount of unpaid losses, 814,589 43 

Be-insurance on fire risks, one year or less, §60,379 02 

Be-insurance on risks more than one year, 10,148 09 

Amount required to re-insure all outstanding risks $70,527 11 



Total liabilities except capital stock, $85,116 54 

Capital stock, , 210.100 00 

Surplus beyond capital. 7. 28,223 33 



Total liabilities, including capital and surplus, $359,439 8' 



IV. INCOME DURING THE YEAB, 

Fire. Inland. 

Premiums received in cash, $1 78,335 07 $220 58 

Deduct re-insurance, rebate, abatements, 

and return premiums, 38, 799 5 7 

Actual cash premiums, $139,530 10 $220 58 $139,756 08 

From interest on bonds and mortgages, 4,324 23 

From interest on loans and dividends on stocks and bonds. 17,982 16 

Interest and dividends from all other sources, 1,642 50 

\c i ual cash income , $ 163. 705 57 



150 KIRK AND FJliE AM) MAK1NK INSURANCK 

V. EXPENDITUBES DU1UNG THE VKAk. 

Amount paid for losses, (including $2,700 oooccur- 

ring in previous years,) $69,622 \H 

1,481 98 



NYt amount paid for losses $68, r.ii oi 

Oash dividends 19.464 90 

Commissions or brokerage, ; » ' *.::*.» i 50 

Salaries andfees 10,951 16 

i - 52 72 

All other payments and expenses, 341 48 



Actual cafh expenditures, $140,£ 



VI. MISCELLANEOUS. 



Premiums. 



Bisks in force having not more than one year 

to run, $7,42(1,017 00 $120,758 05 

Having more than one and not more than three 

years to run, 1,036,580 00 15,504 18 

Having more than three years to run, 21(5,552 00 3,990 00 



$8,673,1 I'.' no $140,252 2+ 

Premiums received since the organization of the Company 27(1.50:; \\\ 

is paid since the organization of the Company, !»C. 7 1 2 77 

Cash dividends paid stockholders, 19,464 90 

Stock owned by directors at date, 105,000 00 

Loaued to officers and directors, 54,*)71 98 

Loaned to stockholders not officers, 64,495 4 ( .> 

Business in Connecticut in 1874. 

Fire risks taken (no inlnad), $51,196 00 

Premiums received on same, 746 54 

Lossespaid, 3,788 28 



COMPANIES OF OTHKK STATES 151 



GERMAN AMERICAN FIRE INSURANCE COMPANY. 

New York City. 

Commenced Business, March, 1872. 

Emil Oelbermann, President. James A. Silvey, Secretary. 

Attorney in Connecticut, Egbert Marsh, Bridgeport. 



I CAPITAL. 
Capital actually paid up in cash, $1,000,000 Of) 

II. ASSETS. 

Stocks and Bonds oicned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

United States 6 per c, reg. cur.... $360,0,00 00 $406,200 00 

" 5 per c, gold, 1801, 330,000 00 394,800 00 

" ; , 6 per c, reg., 1867, 100,000 00 118,250 00 

" " 6 per c, reg., 1881, 50,000 00 .59,000 00 

5-20>, reg., 1862,... 25,000 00 28,625 00 

5-20's. reg., 1865,... 20,000 00 23,550 00 

■'- " 10-40's reg., 5,000 00 5,750 00 

" »« 10-40's coupon, 10,000 00 11,500 00 

Municipal Bonds : — 

New York City, 7 per c, 40,000 00 41,200 00 

Railroad Bonds : — 

Cen. Pacific R R., 1st. mort, gold, 40,000 00 37,600, 00 

Union Pacific, 1st. mort., 6 per c.,. 25,000 00 22,750 00 

Total, $1,005,000 00 $1,149,225 00 $1,149,225 00 

Loans on Collateral. 

Par Market Amount 

Value. Value. Loaned. 

U. S. 5-20's coup., 1865,... $5,000 00 $5,900 00 $5,000 00 

" 5-20's " 1867,... 1,000 00 1,185 00 1,000 00 

'• 5-20's " 1865,... 3,000 00 3,540 00) 4 ( 

" 5-20's " 1867,... 1,300 00 1,534 00> 

Poughkeepsie City. 7 per c. 55,000 00 55,000 00 50,000 00 

Providence, R. I., Water... 11.000 00 11,000 00 10,000 00 



lo2 FIliK ANIi KIRK AND MARINE INS1 RANGE 

Par \ ket Value. Ann. I 

Rfeoh inic x $7,021 - $5,000 <><> 

y City, improvement. 56,000 00 56,1 , 

Brooklyn, ' 20,000 00 20,< 

Flushing A North Side B.B 30,00 1 OOi 

German American Bank,... 

City of Cincinnati 12, 

!:. j; .. 29.500 00 15,01 

Louisville City, 6 per o 6,000 00 4,920 00 > ... (i . , 

CaL A Oregon B B 53,000 00 oi 

Mil. ft St. Paul B. B .- 118,00 I 00 

;e Point, L. I.. Water 120,000 00 120,( 

irlem R, B., 5,000 00 






Total $543 325 00 1 ► 00 $387, 

i d Company's principal office 

Cash deposited in Bank 2 

Interest accrued on stocks. 

Interest accrued on collateral loans, 1,497 

Nei premiums in course of collection 57. ". 

('ash on deposit at Chicago branch office 



Lsfi tsof the Company at their actual value $l f 8i 



III. LIABILITIES. 

T 38es adjusted and unpaid 813.878 17 

Losses reported and unadjusted, 37, 1< I - 

Losses resisted 13.977 



Net amount of unpaid losses $65,024 0." 

Re-insurance on fire risks, one year or less $881,172 79 

Re-insurance on risks more than one year, 86,181 27 



Amount required to re-insure all outstanding risks. 4i'>7.: , ..~>t 06 

Total liabilities, except capital stock. $£ 2,378 11 

Capital stock l.< 

Surplus beyond capital, 322,558 03 

Total liabilities including capital and surplus $1,854,936 II 



IV. INCOME DURING THE YEAR 

turns received in cash $1 -74 76 

turn 
premiums 



ud cash premiums 

Prom interest on Loans and dividends on stocks and bonds 

A • i .'. cash income - 



COM PAX IKS OF OTHER STATES. 153 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $42,333 68 oc- 

curring in previous years), $431,064 04 

Deduct salvage fcc., »5,497 03 



Not amount paid for losses, $425,567 01 

Cash dividends 100,000 00 

Commissions or brokerage, 144,85:2 77 

Salaries and fees, v G7, 865 55 

Taxes, 23,145 00 

All other payments and expenses, 82,622 57 



Actual cash expenditures, $844,052 00 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run, $04,803,795 00 $762,345 58 

Having more than one and not more than three 

years to run, 7.759.885 00 00,710 09 

Havingmore thau three years to run, 18(51,090 00 28,943 82 



$74,424,770 00 $887,900 40 

Premiums received since the organization of the Company, 2,540,081 00 

Losses paid since the oi'ganization of the Company 1,021,820 25 

Cash dividends paid stockholders, 140,000 00 

Stock owned by directors at date, 214,700 00 

Loaned to stockholders no 1 officers, 20.000 00 

Business in Connecticut in 1874. 

Fire risks taken, $2,091,662 00 

Premiums received on same, 32,784 61 

Losses paid 26, 679 56 

20 



151 FIKIC AND FIRE AND MARINE INSURANCE 



RMANIA FIIIE [NSURANCE COMPANY. 

Xi 
imenced Business March. 1859. 
RudoIiPB G 'resident. Hugo Henry . 

Attorney in >' it, C. C. Kimbai.l. Hartford. 



I. CAPITAL. 

Capital actually paid np in cash. $500.0 

II. ASSETS. 

-state owned by the Company unencumbered. $41,24-0 '. |_ > 

- on bond and mortgage, (first liens) not more than one 

year's interest due, 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, 31.0 

Interest due and accrued on bond and mortgage loans, 14,6 

Value of the lands mortgaged. $721,300 00 

Buildings (insured for $657,350) 872,400 00 



$1,593,700 00 



d Bond* fumed by the Company. 

ParValne. Market Value 
U. S. Stocks : — 

V. S. 5-20's, reg. bonds 1802 $10,000 00 $11,450 00 

" 10-40's, *« " 1864, 100 146,550 00 

•• 5-20'fl, " " 1881 90,000 00 106,650 00 

•• coup 1867 10,000 00 12,200 00 

S : — 

State of South Carolina, 20,000 00 5,901 

South Carolina consolidation bolide... 1,500 00 

teof Alabama 10,000 00 4,400 00 

>: — 

•. »nal Dark Bank 5,000 00 B 900 00 

Municipal Bonos: — 

N ST., jsments 10,000 00 10,300 00 

Brooklyn Permanent Water Loan 26,000 00 24,960 00 

Brooklyn Public Park ... 8,000 00 30 00 

me Insurance Co 2,0( 



Total $582,500 00 $637,091 <>»> $637,091 00 



COMPANIES OF OTHKK STATES. 155 

Loans on Collateral. 

Par Value. Market Value. Atn't Loaned. 

State Bk. Elizabeth, N. J., $ 10,400 00 $10,400 00) 

1st. Nat, Bk. Jersey City,.. 5,000 00 5,000 00) 10,000 00 

1st. Nat. Bk. " * " 16,800 00 16,800 00) 

Germania L. Ins. Co., 2,000 00 2,300 00)" 17,000 00 

U. S. Express Co., 1,500 00 900 00> 

West. Union Tel. Go 706 00 52500) 1,000 00 

A in. Mer. U. Express Co.,.. 3,500 00 2,310 00 >_ 

Wells Fargo & Co., , 300 00 240 00) 1,500 00 



Total, $1-0,200 00 $38,475 0:) $29,500 00 $29,500 00 

Cash in Company's principal office, 16,256 28 

Cash deposited in Bank, 30,408 52 

Interest accrued on stocks, 1,136 67 

Interest accrued on collateral loans 923 61 

Net premiums in course of collection, 101,156 74 



Assets of the Company at their actual value, $1,538,539 61 



III. LIABILITIES. 

Losses adjusted and unpaid, $25,953 82 

Losses reported and unadjusted, 30,597 20 

Losses resisted, 21,987 50 



Total, $78,538 52 

Deduct re- insurance, 945 80 



Net amount of unpaid losses, $77,592 72 

Ke-insurance on fire risks, one year or less, $438,911 71 

B,e-insurance on risks more than one year, 123,284 99 



Amount required to re-insure all outstanding risks, 562,196 70 



Total liabilities except capital stock, $639,789 42 

Capital stock, 500,000 00 

Surplus beyond capital, 898,750 19 



Total liabilities, including capital and surplus, $1,538,539 61 



IV. INCOME DURING THE YEAE. 

Premiums received in cash, $1,119,119 75 

Deduct re -insurance, rebate, abatements and re- 
turn premiums," 81,573 02 



Actual cash premiums, _. $1,037,546 73 

Interest on bonds and mortgages, 34,412 32 

From interest on loans and dividends on stocks and bonds, 33,090 60 

From all other sources 17,123 72 



Actual cash income... $1,122,173 37 



FIRB AND FIRE AND MA KINK IN8URANCK 

V. EXPENDITURES DURING THE YLAII. 

Amount paid for losses, inoradii 1 cur- 
ring in previous years) I 11 

Ac 

NYt amount paid f- $304,16 

dividends 50,000 00 

Commission or brokerage 1 ">:*. 7 1 1.' 30 

Salaries ami fees 76,51$ 

13,108 15 

All other payments and expenses 198,784 81 

Actual cash expenditures $796,274 38 

VI. MISCELLANEOUS. 

Premiums. 
- in force having not more than one year 

to run, $76,630,164 00 --77 823 42 

Having more than one and not more than three 

years to run 11.37G.402 00 148 ? H51 83 

Having more than three years to run, 4.097.050 00 61,627 27 

►2,104,522 00 $1,088,402 52 

Premiums received since the organization of the Company. 7,580,801 98 

Losses paid since the Company organized, 3,815,56 

Cash dividends paid stockholders, 586,000 00 

Stock owned by the directors at date 196,150 00 

Loaned to directors, <><i 

Loaned to stockholders, not officers 2,500 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland), $ ,486,971 

Premiums received on same, 

Losses paid, i 1<» 



COM TAN IKS OF OTHER STATES. 157 



GERMANIA BlfcE INSURANCE COMPANY. 

Newaek. N. J 

Commenced Business April, 1870. 

James M. Pateeson, President. Junius B. Beose, Secretary. 

Attorney in Connecticut, Geoege B. Fishee, Hartford. 



I. CAPITAL. 
Capital actually paid up in cash, $215,600 00 

II. ASSETS. 

Beal estate owned by the Company unencumbered^ $43,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 155,119 50 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, 11,015 00 

Interest acerued on bond and mortgage loans, 5 5 $36 74 

Value of land mortgaged. $304,800 00 

Value of buildings mortgaged 125,850 00 



$430,650 00 



Stocks and Bonds oioned by the Company. 

Par Value. Market Value. 

U. S. Stocks : — 

U. S. 5-20's, 1865, (new) $9,000 00 $10,554 38 

Municipal : — 

War Bounty Bond City of Newark. . . . 500 00 500 00 



Total, $9,500 00 $11,054 38 $11,054 38 



Loans on Collateral. 

Par Market Amount 

Value. Value. Loaned. 

Pennsylvania R. K. Co., $2,500 00 $2,500 00 $1,800 00 

State Trust Co., N. J., 1,000 00 1,000 00 900 00 

Second Bank, Newark N. J.,. 500 00 700 00 500 00 



Total $4,000 00 $4,200 00 $3,200 00 $3,200 99 



KIKt AM) FIRE AND MAKINK INSUKAN 

Cash in Company's prinoipal office, 

I In Hank 11.7 

Interest du< rued on stocks 

a ;:i 75 

tn-, in course of collection 12,72 

All other property belonging to the Company 

:' the Company at their actual value $257,660 57 



III. LIABILITY 

adjusted and unpaid $1,50 

Losses in process of adjustment 1,310 7i' 

Net amount of unpaid losses, -in 72 

Re-insurance on tire risks, one year or less, $35,936 46 

Re-insurance on risks more than one year, 1,862 15 

Amount required to re-insure all outstanding risks, 

Principal on unpaid scrip in J 60 

Cash dividends remaining unpaid, 

Total liabilities, except capital stock, $41,622 32 

Capital stock 215,600 00 

Surplus beyond capital. 437 7.'. 

Total liabilities including capital and surplus $2 



IV. INCOME DURING THE YEAH. 

Premiums received in cash * 74. 717 33 

Deduct re insurance, rebate, abatements and re- 
turn premiums 13.471 07 

Actual cash premiums $68,243 2<; 

From interest on bonds and mortgages. 6,596 26 

Received from all other sources, 1,494 07 

Actual sash income $70,333 59 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including •>'7.">nt; c .t7 occur- 
ring in previous years,). $36,152 25 

Deduct s\h 4,036 '.'1 

Net amount paid for losses $32,115 34 

Cash dividends, 14. 

Scrip or certificates of profits redeemed in cash 

Commissions or brokerage 12,4 

v ." 



Mi other payments and expenses 

Actual cash expenditures -47 !.*» 



COMPANIES OF OTHEK STATES. 



VI. MISCELLANEOUS. 
To Policyholders. 
Scrip dividends declared to date,. ..$937 25 
Deduct amount redeemed in cash, 

forfeited, cancelled Ac, 832 65 



Balance deliverable and outstanding. $101 60 

Bisks in force having not more than one year 

to run, $6,244,233 41 

Having more than one and not more than 

three years to run, 190,403 00 

Having more than three years to run 51,807 00 



Premiums received since the organization of the Company, . 

Losses paid since the Company organized, 

Cash dividends paid stockholders 

Stock owned by directors at date, 

Loaned to officers and directors, 



Premiums. 




$71,872 


93 


2.190 


14 


803 


60 


$74,866 


67 


230,845 


80 


87,940 


38 


27,057 


98 


34,600 


00 


900 


00 



Business in Connecticut in 1874. 

Fire risks taken (no inland) $10,600 00 

Premiums received on same, 266 60 

No losses, 



GIRARD FIRE AND MARINE INSURANCE COMPANY, 

Philadelphia, Penn. 

Commenced Business May, 1853. 

Thomas Craven. President. James B. Alvord, Secretary. 

Attorney in Connecticut, Ralph Gillett, 



I. CAPITAL. 

Capital actually paid up in cash, $300,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, $193 800 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, $23] 900 00 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, 5 95Q 00 

Interest due andaccrued on bond and mortgage loans, 5,795 ) 

Valne of land mortgaged $577,700 00 



FIR! AND KIRK AND MARINE insurance 

id Bonds owned by the Company. 

I'.ir Value. Market Value. 

! 8, ^ 

r. - $87,1 o 

•• B-20*a 65,00 I 00 

IdUNIl IPAX i ■ 

City of Phil.. 6 per c, loans 17,800 00 18,60 

•• Louisville. (J per c, loans... 10, 

•• Trenton, 6 per c. " .. 10,000 00 I 00 

American Steamship Co 5,000 4,000 00 

Lehigh Navigation Co., 11,000 00 11,000 00 

Susquehanna Coal Co., 3, <> 00 

Railroad Bonds : — 

Union Pacific 5,000 00 4,700 00 

Pennsylvania 23,000 00 00 00 

•k 20,000 00 21,200 00 

Dan.. Hazelton, £ Wilkesbarre 10,000 00 

Camden A Amboy 17,000 00 00 

Phil. ^ Erie 15, 18,70 

Connecting 10,000 00 9,101 

Phil. & Beading, 5,000 00 5,800 

Lancaster A Beading 6,000 00 

Lacawanna & Bloomsbnrg 1,000 00 > 00 

Phil. & Reading, stocks 20,000 00 - 10 00 

Total |280,900 00 $291,000 00 $291,000 00 



nig on Collateral. 

Par Value. Market Va. A mt. Loaned. 

Camden & Amboy R. R. Co.,. $1,000 00 $1,300 00 $1,01 

Pennsylvania R. R. Co 1,500 00 1,575 00 L,5( 

3d Nat Bank 11,500 00 13,225 00 10.000 00 



Total -..$14,00 - ,100 00 $12,500 00 $12,500 00 

Cash in Company's principal office, 2,331 11 

Cash deposited in Bank, 52 7 

Net premiums in course of collection 

All other property. 2,91 

Assets of the Company at their actual value $832,42 



III. LIABILITIES. 

; and unpaid ] W 7^ 

- reported and unadjusted $15,970 27 

imount of anpaid losses 22,062 05 

Reinsurance on fire risks, one year or less $183,111 <i"» 

risks more than one year 80,498 '.-"> 

Amount required to re-insure all outstanding risks $263,619 7^ 



COMPANIES OF OTHEK STATES. 161 

Reclaimable on perpetual risks $78,743 07 

Due for salaries, printing. &c 1,138 96 

All other demands against the Company, 7 45 

Total liabilities except capital stock ,771 31 

Capital stock v 300,000 00 

Surplus beyond capital 165,665 v 7 



Total liabilities, including capital and surplus. 8832.437 1 

IV. INCOME DURING THE TEAK. 

Premiums received in cash, $457,361 78 

Deduct re-insurance, rebate, and return premiums, .... 15,695 20 



Actual cash premiums. $-441, G66 58 

From interest on bonds and mortgages, ...m .' 13,753 67 

From interest on loans and dividends on stocks and bonds, 20,188 39 

From Rents 10,453 00 

Deposit premiums on perpetual fire risks $6,413 50 

A.ctual cash income, $486,061 04 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including 827.830 24 occurring in pre- 
vious years) $231,303 70 

Cash dividends, , 63,000 00 

Commissions or brokerage, 75,374 69 

Salaries and fees. 37,368 53 

Taxes, 17,511 52 

All other payments and expenses. 26,583 10 

Deposit premiums returned on perpetual fire risks $2,928 43 



Actual cash expenditures, $451,141 54 



IV. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run, 836.639,818 00 $406,153 60 

Having more than one and not more than three 

years to run 5,987,959 00 76.129 91 

Having more than three years to run, 1,888,373 00 31,605 92 

Perpetual risks in force and interest premiums, 3.559,099 00 97,557 51 



$48,075,249 00 8011,446 94 

Premiums received since the organization of the Company.... 3,122,740 00 

Losses paid since the Company organized, 1,432,480 77 

Cash dividends paid stockholders. ! 337,331 52 

Stock owned by the directors at date, 118,800 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland) $1,050,966 00 

Premiums received on same, 11,940 00 

Losses paid, 222 00 

21 



LH2 PIRE AND FIRE AM) MARINE INSURANCE 



GLOBK FJUE INSURANCE COMPANY. 

Chicago, [lli 
Commenced Business January, 1871. 

Geo. F. Harding. President. S. P. Walker. Secretary. 

Attorney in Connecticut, Geo. S. Lester, New Haven, 



J. CAPITAL. 
Capital actually paid np in cash $300,000 00 

II. ASSETS. 

Real Estate owned by the Companj' unencumbered $8,000 00 

Loans- on bond and mortgage, (first liens) not more than one 

year's interest due, 279,521 00 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, 40,704 00 

Interest due and accrued on bond and mortgage loans :.'(>. !>32 3G 

Value of land mortgaged $713,000 00 



Stocks and Bonds owned hy the Company. 

Pir Value. Market Value. 
U. S. Stocks : — 

United States bonds (new) 5-20'fl,... $75,000 00 $85,312 50 
Bank Stocks : — 

Second National Bank of Peoria 10.000 00 15,000 00 

Railroad Bonds: — 

Chicago Burl. & Quincy 1st. mort., 10,000 00 10,000 00 

Burlington A Missouri River, 10,000 00 10,000 00 

Mil Cl'.i.i. LN1 01 - : — 

West Chicago Park bonds, 50.000 00 47,916 66 



Total 8155,000 00 $168,229 16 $168,229 1(1 



COMPANIES OF OTHEK STATES. 163 

Loans on Collateral. 
Par Value. Market Value. Amt. Loaned. 

Ghic. Bailway Construct. Co., $30, 000 00 $45,000 00 $25,000 00 $25,000 00 

Cash in Company's principal office, 3,110 80 

Cash deposited in Bank 27,971 64 

Interest accrned on collateral loans, 2,333 33 

Net premiums in course of collection, 64.817 92 

Bills receivable 10,531 77 

All other property, salvages &c, 2,346 50 

Assets of the Company at their actual value, $648,498 48 

III. LIABILITIES. 

Losses adjusted and unpaid, $39,518 '27 

Losses reported and unadjusted, 5,300 00 

Losses resisted, 3,050 00 



Net amount of unpaid losses, $47,808 27 

Re-insurance on fire risks, one year or less, $236,364 99 

Re-insurance on risks, more than one year, 7,570 54 

Re-insurance on inland navigation risks, 3,490 02 

Re-insurance on unexpired marine risks 1,482 00 



Amount required to re-insure all outstanding risks, 248,907 55 

Total liabilities except capital stock, $290, 775 82 

Capital stock, 300,000 00 

Surplus beyond capital 51,722 66 



Total liabilities, including capital and surplus, $648,498 48 

IV. INCOME DURING THE YEAR. 

Fire. Marine. 

Premiums received in cash, $601,993 81 $12,715 0(1 

Deduct re-insurance, rebate, abatements 

and return premiums, 78,828 25 066 60 



Actual cash premiums, $523,165 56 $12,149 06 $535,314 62 

Bills and notes for unpaid premiums,... 2,200 27 8,33150 

From interest on bonds and mortgages, 16,392 75 

From interest on loans and dividends on stocks and bonds 5,650 29 



Actual cash income. $557,357 66 

V. EXPENDITURES DURING THE YEAR. 

Fire. Marine. 

Am't paid for losses, (including $26,084 60 

occurring in previous years,) $353,449 57 $4,625 96 $358,075 53 

Commissions or brokerage, 113,167 88 

Salaries and fees, 16,072 85 

Taxes, 9,107 71 

All other payments and expenses. 33,505 33 

Actual cash expenditures $529,929 30 



164 FIRE AND FII.'K AND MAI.'IXK INSURANCE 

\T. Ml 

ium*. 

- in force b to 

run 

Having more than one and not more than three 

ra to run 

Having more than three years to run 14;. . .-, 09 



591 00 | 

'.'■:e. Pre!) 

,033 00 

Premiums received since ihe re-organization of the Company 58 B13 64 

i since the y re-organized 

Stock owned by directors at date 

Loaned to officers and directors 

Loaned to stockholders not officers 

•ticut in l v 7 !. 

Fire risks taken (no inland), $i 

Preminms received on same 9,154 04 

Losses paid, 11. 8 7''. 62 



HANOVKR FIRE ENSUUANCE COMPANY. 

New York City. 
Commenced Business April. . 
Benjamin S. Vn'alcott. President. L Bkmsen Lam.. Secretary. 

Attorney in Connecticut, Y\"m. Wat.t.ack, Hartford, 



I. CAPITAL. 

Capital actually paid up in cash. £400,00 

II. ASS! 

Heal estate owned by the Company unencumbered, £1-, 1.~>1 li' 

Loans on bond and mortgage, (first liens) not more than cue 

year's interest due 331,01 

Interest accrued on bond and mortgage loans, 83 95 

Value of the land mortgaged, $333, 

Buildings (insured t 462, 



COMPANIES OF OTHER STATES. 



165 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States 5-20's, reg 1865, $15,000 00 $17,625 00 

" ' ; •< " 1867, 370,000 00 438,450 00 

'« ," " 1864, 10,000 00 11,000 00 

" " " coup. 18G5 15,000 00 18,150 00 

" " "cur. 6 perc...... 50,000 00 59,002 50 

" " 6 per c, reg. 1881. 20,000 00 23,050 00 

" " 5-20's, new 1865,.. 20,000 00 23,450 00 

Alabama 5 per c, 10,000 00 4,250 00 

Bane Stocks : — 

Am. Exchange National, 11,500 00 13,167 50 

Fourth National, 10,000 00 10,000 00 

Metropolitan National, 10,000 00 13,600 00 

Nat, Bank of Commerce, 1,500 00 5,332 50 

i 

Municipal Bonds : — 

New York County, 11,000 00 11,000 00 

N. Y. City Assessment, 40,000 00 40,000 00 

" St. Improve. Fund, 50,000 00 '50.000 00 

Total $647,000 00 $730,337 50 



$739,337 50 



Loans on Collateral. 



Met. Nat. Bank N. Y, 

Nat. Ins. Co.. Hartford,.. . 

Columbia F. Ins. Co. N. Y. 

St. Nich. Nat. Bank 

Ninth 

U. Pac. B.B. 1st. mort,,. 

Ninth Nat. Bank N. Y...... 

C. Col. Cin. &Indp.R. R.. 
Am.- Fire Ins. Co., N. Y.,. 
Harl. GasL. 

U. S. 5-20's, coup. 1867,.. 
Ninth Nat. Bank N. Y...... 

Am. Fire Ins, Co, '' 

Continental " " .... 



Par 

Value. 

120,000 00 

3,000 00 

1,200 00 

10,000 00 

12,500 00 

20,000 00 

17,500 00 . 

10,000 00 

1,000 00 

250 00 

1,000 00 

25,500 00 

4,500 00 

1.000 00 



Market 
Value. 

$27,200 00) 

3,600 00/ 

1,080 00-* 

11,000 00 

12,875 00) 

18,900 00^ 

18,025 00\ 

6,950 00) 

1,500 00 \ 

.305 00> 

1,220 00 

26,265 00 

6,750 00 \ 



1,120 00 



Amount 
Loaned. 



$25,000 00 

8,500 00 
20,000 00 

15,000 00 

1,200 00 

500 00 
20,000 00 

3,500 00 



Total, $127,450 00 $136,790 00 $93,700 00 $93,700 00 

Cash in Company's principal office 18,365 04 

Cash deposited in Bank 106,680 99 

Interest accrued on stocks, 1,010 00 

Interest due on collateral loans 1,593 09 

Net Premiums in course of collection, 102,100 22 



Assets of the Company at their actual value, $1,408,121 91 



Itili FIKK AND FIRK AND MARINE INSURANCE 

III. LIABILITIES. 

; . and unadjusted $67,04 

Lsted 18,087 60 



d 

. tot re-insurance : 

amount of unpaid Losses $74,949 73 

surance on fire risks, one year or less 6 4:> 

Re-insurance on risks more than one year 187,669 12 



Amount required to re-insure all outstanding risks 604,075 57 



Total nubilities except capital stork, 

Capital stock 400,000 00 

Surplus beyond capital 329 096 61 



Total liabilities, including capital and surplus, $1,408,121 91 



IV. INCOME DURING THE YEAB. 

Premiums received in cash $1,075,793 69 

Deduct re-insurance, rebate, abatements and return 

premiums 81,352 06 



Actual cash premiums $994,441 63 

From interest on bonds and mortgages, 22,456 10 

From interest on loans and dividends on stocks and bonds 42,551 60 



Actual cash income.. $1,059,449 



V. EXPENDITURES DURING THE YEAE. 

Amount paid for losses, (including 874.303 16 occur- 
ring in previous years), $339,929 92 

Deduct salvage &c. 8,3< 



Net amount paid for losses, 

- 40,000 00 

Commissions or brokerage 154,564 26 

a &o 57,9 

Paid for State, national, and local taxes, 15,334 51 

All other payments and expenses 150,478 67 

Actual cash expenditures $763,931 54 

VI. MISCELLANEOUS. 

Premiums, 
Risks in force having not more than one year to run $68,503,1 

Having more than one and not more than three 

run 18,940,926 51 237.360 10 

Having more than three years to run 8,031,104 99 114.221 54 



- 



COMPANIES OF OTHER STATES \{) 



Premiums received since the organization of the Company. $6,386, < 08 44 

Losses paid since the Company organized, 3,438,21! 

Cash dividends paid stockholders ;,:)0 qq 

Stock owned by directors at date, 114,600 00 

Loaned to officers and directors, 43,500 00 

Loaned to stockholders not officers, 4,000 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland), $2,316,182 09 

Premiums received on same 30.718 20 

Losses paid, 9, 1 72 20 



HOFFMAN FIRE INSURANCE COMPANY. 

New York City. 

Commenced Business. May, 1864. 

Marcus F. Hodges, President. John D. Macintosh, Secretary. 

Attorney in Connecticut, Silas Chapman Jr.. Hartford. 



I. CAPITAL. 

Capital actually paid up in cash $200 000 00 

II. ASSETS. 

Loans ^ on bond and mortgage, (first liens) not more than one 

year's interest due, $158,993 00 

Interest due and accrued on bond and mortgage loans 8 1 6 67 

Value of the lands mortgaged, $207,400 00 

Buildings (insured for $97,500 00) 174,000 00 



$382,000 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks: — 

U. S. 5-20's 1865, (new) coup, $26,500 00 $31,038 12 

" 6's, 1881, reg 10,000 00 11,825 00 

5-20's, 1867 reg 35,0G0 00 41,387 50 

5's, 1881, 3 } 5oo 00 3 < )81 05 



168 PIKE AND FIRE AND MARINE INSURANl 

Par Valiie, Market Value, 
Bank of Cornr $ 10,000 00 $11,801 

An: k . 22 BOO oo 

>polis 10.000 00 10,00 

S - : — 

V V. Cen. & I 

J : — 

laware & Hudson Canal Co 20,000 00 

Total $165,001 00 $16 " 319 37 



j feral. 



Bank of Sew York. 
Continental F. h B. I 



Tar Value. 
i 00 



(X) 



( M I 



Mont auk 

: of Metropolis > 

Hope F^re Ins. Co > 

Safeguard F. Ins. Co.,. | 

Life Ins. Co 

Script ' 

Williamsburgh Gas L. Co. 1,250 00 

Star Fire Ins. Co 2,900 00 

U. S. 5-2 >'a 

Irving Fire Ins. Co.. 2,100 00 

Bowery Nat. Bank l',000 00 

" " " 500 00 



Market Value. 
560 00 

2.735 00 



6,725 00 



5,425 00 

2 900 00 
1,770 00 
2,100 00 



Total $24,400 00 

(' ish in C >mp tny's principal office 

Cash deposited in Bank 

Interest accrued on collateral loans 

Net premiums in due course of collection, 



Amt. Loaned. 
Mi) 00 

1,900 00 
5,000 00 

4.000 00 

1,251 
1,8 

l..v 

1,000 00 

1,500 00 

500 00 

$19,4* 



$19,450 00 

1,012 M 

20,561 59 

310 00 
14,163 7o 



Assets of the Company at their actual value. $402,132 17 



III. LIABILITIES. 

Losses adjusted and unpaid $3,320 32 

Losses reported and unadjusted. 7.77."> 00 

amount of unpaid losses, $11,095 82 

He-insurance on risks, one year or less $92,005 57 

Re-insurance on risks more than one year 8,388 12 

Amount required to re-insure all outstanding risks. 100,393 69 



Total liabilities, except capital stock, $111,489 01 

Capital Btock 200,000 00 

Surplus beyond capital 90,643 10 

Total liabilities, including capital and surplus $402,132 17 



COMPANIES OF OTHER STATES. WW 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $245,035 31 

Deduct re-insurance, rebate, abatements and return 

premiums, 20,328 45 

Actual cash premiums, $224,711 86 

From interest on bonds and mortgages, 10,645 01 

From interest on loans and dividends on stocks and bonds, 12,229 28 



Actual cash income, $247,586 15 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $6,976 68, occurring in pre- 
vious years) $93,586 05 

Cash dividends 20,000 00 

Commissions or brokerage, 81,807 59 

Salaries and fees, 21,100 00 

Taxes, 2,729 91 

All other payments and expenses, 22,370 83 



Actual cash expenditures, $191,594 98 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run, $16,090,320 33 $190,011 15 

Having more than one and not more than three 

yearstorun, 558,823 00 0,910 40 

Having more than three years to run, 91,287 00 1,008 25 



$10,740,430 33 $198,535 80 

Premiums received since the organization of the Company, 1,240,520 81 

Losses paid since the organization of the Company, 849,738 75 

Cash dividends paid stockholders, 50,000 00 

Stock owned by directors at date 90,250 00 

Loaned to officers and directors, 24,250 00 

Loaned to stockholders not officers, 24,250 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland), $343,908 00 

Premiums received on same, 4,945 09 

Losses paid, 0,570 40 

22 



17" KUtK AND FIKK AND MA.K1NR [NS1 RANC 



HOME [NSURANCE COMPANY. 

Nkw York City. 

Commenced "Business April. 1858. 

Charles .1. Martin. President. John H. Washrurn. Secretary. 

Attorney in Connecticut, W. E. Baker. Hartford. 



I. CAPITAL. 

Capital actually paid up in cash £2.500,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 2,033,858 19 

Interest due and accrued on bond and mortgage loans. 58.183 i'2 

Value of the lands mortgaged $3,028,700 00 

Buildings mort. (ins. for $1,565,100), 2,412,000 00 



$5, I [(".Too 00 

Stocks and Bond* owned by the Company. 

ParValne. Market Value. 
U. S. and State Stocks : — 

United States, G per c, 1881, $200,000200 $236,600 00 

5 per c, 1881, 200,000 00 227,500 00 

364, 750,000 00 864,375 00 

" lSf5r>. 150,000 00 528.7 

10-40'a 100,000 00 114,750 00 

" 6 per c, currency, 400,000 00 472,000 00 

Alabama State, 10,000 00 5,200 00 

South Carolina, old (J. (too 00 1,800 00 

" new 14,000 00 3,500 00 

Mississippi. Treasury warrants 'JO, out) 00 p 16,000 00 

Bank Stocks : — 

Hanover National Bank, N. Y.,... 10,000 00 9,700 00 

American Exchange Nat., " .... 20.(100 (to 23,000 00 

Fourth National, " ... IO.000 00 9,900 00 

Nat. Butchers & Drovers, " ... 5.000 00 6,500 00 



COMPANIES OF OTHER STATES. 171 

Par Value. Market Value. 

Bank Stocks : — 

St. Nicholas National, N. Y...... $10,800 00 $11,664 00 

Metropolitan National, " ... 31,100 00 40,741 00 

Merchants Exchange Nat., " ... 13,650 00 13,786 50 

Nat. Bank of the Republic, * J ... 25,000 00 26,375 00 

Bank of America 10,500 00 15,645 00 

National Bank of Commerce, N. Y 20,000 00 23,600 0Q 

Miscellaneous : — 

United States Trust Co., 10,000 00 26,500 00 

Total, $2,316,050 00 $2,647,786 50 $2,647,786 50 

Loans on Collateral. 

Par Market Amount 

Value. Value. Loaned. 

Equitable Life Assurance,. $13,000 00 $16,000 00 $13,000 00 

St. Nicholas Nat. Bank,.... 2,000 00 2,160 00 1,800 00 

Con. National Bank, 1,000 00 700 00 350 00 

U. S. 5-20's, 1865. 5,000 00 5,912 50) 

11 5-20's, 1862, 5,000 00 5,712 50) 

Second National Bank, 10,000 00 20,000 00> ..^^ 

l.->,000 00 

Metropolitan Nat. Bank,... 5,000 00 6,550 00) 

St. Nicholas Nat. Bank,.... 35,000 00 37.800 00 30,000 00 

Central National Bank,.... 5,000 00 4,950 00>^ 

Fourth National Bank 7,000 00 6,930 OoJ 

U. S. 5.20's, 1864, 1,000 00 1,162 50) 

" 5-20's, 1865, 2.000 00 2,417 50> 

; ' 5-20's, 1865, 10,000 00 11,825 00 10,000 00 

Tenth National Bank, 10,000 00 7,500 00 5,500 00 

Broadway National Bank, . 5,000 00 14,000 00^1 

Metropolitan Gas L. Co.,... 5,000 00 6,043 75 i 

New York Gas Light Co.... 2,600 00 3,380 00 f 

N. Y. Mutual Gas L. Co.... 20.000 00 16,000 00 j 

U. S. 5-20's, 1865, 5,000 00 0,043 75> 

" 5-20's. 1867, 20,000 00 24,400 00 J 

" 6 per c, 1881, 5,000 00 6,100 00 5,000 00 

N. Y. Cen. & Hud. R. R. R 10,000 00 10,150 00^ 

St. Nicholas National Bank, 1,500 00 1,620 00- 10,000 00 

Bulls Head Bank, 500 00 500 00 ) 

Fulton Bank, Brooklyn,.... 2,500 00 2,000 00 

U. S. 5-20's, 1864, 3,300 00 3,836 25) 

; ' 5-20's, 1865, 2,000 00 2,417 50 > 

N. Y. Oetl. &Hud. R, R. R 10,000 00 10,150 00) 

N. Y. & Harlem R. R,. 10,000 00 13.000 00^ 

Equitable Life Assurance, . 10,000 00 13,000 00 

Adriatic Fire Ins. Co. , 1,325 00 86125 

Nat. Bank of the Republic, 10,000 00 10,550 00]. 

People'sBank 1,100 00 1,518 00> 

Tennessee bonds, new 1,000 00 750 00) 

" " old. 3,000 00 2,250 00 - 5,000 00 

Metropolitan Gas L. Co.,... 4,000 00 5,400 00 ) 



10,000 00 



10,800 00 
2,850 00 



10,000 00 
25,000 00 



1,500 


00 


5,000 00 


16,500 00 


10,000 


00 


600 


00 



10,000 00 



oo 



L72 FIRE AND FIRK .\SD IfAKINE INSURANCE 

Par \ fcetValne. Ain't Leant <l. 

I \ • Bank,.. $3,5 ■" 00 $7,000 00 $5,000 00 

Union Trust Co., 28,300 00 27, 

St Nicholas National Bank, 2,00o < : <! 2, 

German American Bank,... 20,000 00 18,200 00 15,000 00 

T. S. 5-30*8, 1864 1,500 00 1,743 75 1,500 00 

N. V. Con. A II a I. !:. I:. II. 5,000 00 5,075 00 2,700 00 

Q. 8. Life Insurance Co.,.. 5,587 50 5,028 75 

Universal Life Ins. Co 13,500 00 15,525 00 10,800 00 

Safe Deposit Co. of N. Y... 2,500 00 2,500 00 2,000 00 

X. V. City Improvement, .. 2< 21,000 00 > >>() . () 

Atlantic Mutual Ins. Co 5,«W 1,500 00) " ' 

N. Y. City Improvement,.. 10,000 00 10,500 00) innn 

Atlantic Mutual Ins. Co 5,000 00 4,500 OOJ 

X. Y. Nat. Exchange Bank, 500 00 475 00 400 00 

Am. Exchange Nat. Bank. . 2.000110 2,300 00 2,000 

Total $363,212 50 $413,664 25 $295,901 $295,9! 

Cash deposited in Bank 369,876 61 

Interest accrued on stocks, 3,644 00 

Interest accrued on collateral loans 149 Gl 

Net premiums in course of collection, 162,027 23 

Bills receivable ."» . G 4 « ", :;i 

All other property belonging to the Company, 13,878 30 



Assets of the Company at their actual value. $5,597,445 23 



III. LIABILITIES. 

Losses adjusted and unpaid. $26,613 92 

Losses reported and unadjusted, 224,821 

Losses resisted, 38,093 Go 

Net amount of unpaid losses, $289,534 42 

Re-insurance on fire risks, one year or less $1,199,553 50 

He-insurance on risks more than one year, 751 



Amount required to re-insure all outstanding risks. 1,951,2 

Cash dividends remaining unpaid, 1,390 < >< > 



Total liabilities except capital stock, $2,242,11 

Capital stock, 2,500,000 00 

Surplus beyond capital 855,281 I S 



Total liabilities, including capital and surplus. $6,597,4 i 



IV. INCOME DUKLNG THE YKAb. 

Premiums received in cash $3,498,232 09 

Deduct re-insurance, rebate, abatements and re- 
turn premiums, 249,018 72 

Actual cash premiums $3,249,213 87 



COMPANIES OF OTHER STATES. 



173 



Interest on bonds and mortgages, $140,011 GO 

Prom interest on loans and dividends on stocks and bonds,.. 129,428 84 

From all other sources 10,090 45 

Unpaid notes for premiums, $5,448 84 



Actual cash income, $3,528,744 32 



V. EXPENDITURES DURING THE YEAR, 

Amount paid for losses, (including $194,524 04 occur- 
ring in previous years), $1,500,392 25 

Deduct salvages etc., 36,109 43 



Net amount paid for losses, .. 

Cash dividends, 

Commission or brokerage, 

Salaries and fees, 

Taxes 

All other payments and expenses, 



Actual cash expenditures, 



$1,524,282 82 
249,135 00 
558,395 07 
230 : G28 98 
70,813 00 
109,143 00 

$2,802,397 87 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year 

to run, $204,003,021 00 $2,813,051 00 

Having more than one and not more than three 

years to run, 55,321,527 00 708,237 00 

Having more than three years to run, 28,008,830 00 392,151 00 



$347,393,978 00 $3,913,439 00 



Premiums received since the organization of the Company, . 

Losses paid since the Company organized, 

Cash dividends paid stockholders, 

Stock dividends declared. 

Stock owned by the directors at date, 

Loaned to directors, 

Loaned to stockholders, not officers 



34,805,890 99 

22,488,708 85 

3,440,000 00 

' 500,000 00 

580,000 00 

152,200 00 

28,719 00 



Business in Connecticut in 1874. 

Fire risks taken (no inland), 

Premiums received on same, 

Losses paid, 



.054.588 00 
84,002 80 
25,035 44 



174 FIRE AND FIRE AND MARINE tNSURANCE 



HOME FIRE [NSURANCE COMPANY. 

Columbus, Ohio. 

Commenced Business, January. 1864. 

J. B. Hall, President. L. C. Butlek, Secretary. 

Attorney in Connecticut, Judah Frisbte, New Haven. 



I CAPITAL. 
Capital actually paid up in cash, $250,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, $16,727 80 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 181, 517 41 

Loans on bond and mortgage, (first liens) more than one year's 

interest due 13,936 80 

Interest due and accrued on bond and mortgage loans, 21,415 36 

Value of the land mortgaged, $000,050 00 

Buildings (insured for $56,200), 108,000 00 



$708,950 00 



Stocks and Bonds owned hy the Company. 

Par Value. Market Value. 

U. S. Stocks: — 



United States 10-40's 


*10,000 00 


$11,500 00 


(i CI II 


25,000 00 


28,750 00 


.. 


15.000 00 


17.250 00 


11 5-20s 


1,000 00 


1,220 00 


II II a 


4.000 00 


380 00 


" 


4,000 00 

12.000 00 


4,880 00 
l 1.640 00 


IILBOAD BOND8 — 

Hocking Valley 1st. mort 

tt . cc 


1,000 00 

4,500 00 


l.ooo 00 
1,500 00 


.. 


3,500 00 


3,500 00 


.. 


7,000 00 


r,ooo 00 




7.000 00 


7,000 00 





2,000 00 


2 000 00 






COMPANIES OF OTHER STATES. 



17.") 



Par Value. 
Municipal Bonds : — 

Columbus City, $1,500 00 

' ; - l 3,500 00 

'• 2,500 00 

" " 4,000 00 

Fayette County, 1,000 00 

1,000 00 

Total, $100,500 00 



Market Value 

$1,530 00 
8,570 00 

2,550 00 
4,080 00 
1,000 00 
1,000 00 

121,850 00 $121,850 00 



Loans on Collateral. 



Madison Nat. Bank, 

Citizens Saving " 

United States 5-20's, 1865, 
N. Mo. R. R 1st. mort.,., 



Par Value. 
.$11,000 00 
. 2,000 00 
500 00 
. 1,000 00 



United States 5-20's, 10,000 00 

Cols. & H V R. R., 5,000 00 

Citizens Savings Bank, 2,500 00 



Market Value. 

$12,750 00 

2,000 00 

610 00 

1,000 00 

12,200 00 

5.000 00 

2,500 00 



Total, $32,000 00 $3(5,060 00 

Loan on first mortgage as collateral, 

Cash in Company's principal office, 

Cash deposited in Bank, 

Interest accrued on stocks, , 

Interest accrued on collateral loans, 

Net premiums in course of collection, 

Bills receivable, 

All other property belonging to the Company, 



Amt. Loaned. 

$10,050 50 

317 50 

280 00 

560 00 

6,742 06 

5.000 00 

2,000 00 

$24,980 06 $24,980 06 



Assets of the Company at their actual value, 



1,267 20 

3,708 67 

40,966 16 

850 00 

3,509 88 
61.200 00 
11.159 80 

9,319 18 

$515,408 32 



III. LIABILITIES. 

Losses adjusted and unpaid, $7,500 00 

Losses reported and unadjusted, 9,000 00 

Losses resisted, 10,000 00 

Total, $26,500 00 

Re-insuvance on fire risks, one year or less. $163,581 70 

Re-insurance on risks more than one year, 20,218 49 

Amount required to re insure all outstanding risks, $183,800 19 

Total liabilities except capital stock. $210,300 19 

Capital stock, 250.000 00 

Surplus beyond capital, 55,108 13 

Total liabilities including capital and surplus $515,408 32 



L76 FIRE AND PIKE AND MARINE INSU.wv 

!\ . INOOME DURING THE Vi:\l: 
Premiums] l cash ■'. 96 

preminmf 57,767 

lal oash premiums $349, 138 11 

i ad mortgagee, 27,972 27 

From all other i 1,273 l<i 



Actual o 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $62,211 49 occurring in pre- 
vious years,) $213,811 >7 

Cash art idende 50 f (X 

Commissions or brokerage 

Salaries and foes 29,527 71 

Taxes 11,482 10 

All other payments and expenses, 34,4 



Actual cash expenditures 



VI. MISCELLANEOUS, 



E'remiuras. 



in force having not more than one year to 

run - 00 |327,163 40 

og more than one and not more than three 

years to run 3,128,240 00 34,677 00 

Having more than three years to run, 391.030 00 

116,808 00 

Premiums received since the organization of the Company. 2,797,923 61 

Losses paid since the Company organized. 2,080,169 65 

iividends paid stockholders 97,126 GO 

Stock dividends declared 73,055 00 

Stock owned by directors at date. 50,22 

Loaned to officers and directors 13,363 74 

Loaned to stockholders not officers 79,053 07 



Business in Connecticut in 1874. 

Fire risks taken (no inlnad), 8429.800 00 

Premiums received on same 7,049 00 

I is paid 4,099 76 



COMPANIES OF OTHER STATES. 177 



HOME FIRE INSURANCE COMPANY 

Newabk, N. J. 

Commenced Business July, 1873. 

Andrew A. Smalley, Preside at. William R. Freeman, Secretary. 

Attorney in Connecticut, A. W. Day, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, $172,917 34 

Interest accrued on bond and mortgage loans, 8,226 1)2 

Value of the lands mortgaged, $269,700 00 



1417,700 00 



Stocks and Bonds oicned by the Company. 

Par Value. Market Value. 

U. S. Stocks: — 

United States bonds, old 1865, $10,000 00 

" 1867, 7,000 00 

Municipal Bonds : — 

Newark City bonds, 10,000 00 

Miscellaneous : — 

Montclair Gas & Water, 7,000 00 

Citizens Gas Co. , scrip, 520 00 



$11,712 


50 


8,286 


25 


10,000 


00 


7,000 00 


520 


00 



Total, $34,520 00 $37,518 75 $37,518 75 

Loans on Collateral. 

Par Value. Market VaL Amt.Loanecl. 
Firemans Insurance Co., $940 00 $1,058 00 $500 00 

Cash in Company's principal office, 

Cash deposited in bank, 

Interest accrued on stocks and bonds, 

Net premiums in course of collection, 

Assets of the Company at their actual value $220,484 50 

28 



$500 00 


1,124 


42 


9,889 


45 


348 


75 


3.958 


87 



FIRE AND KIKE AND IIAKINK INSURANCE 

III. LIABILITIES. 

$1 B,661 :;i 

'■ 



>ant required to re-ii 

J liabilities except capital stock $2 

efe 

Surpli bal 214 <;<» 

.1 liabilities, including capital and surplus $229,484 50 



IV. INCOME DURING THE YEAR. 

Premiums received in casta $45,451 ."<> 

Deduct re-insurance, rebate, abatements,, and return 

pre: 4,949 

Actual cash premiums, ><4o.:. 

From interest on bonds and mortgages,. 

From inter .s and dividends on stocks and bonds 



Actual cashin:ome f 

V. EXPEXDIirEES DUBING THE YEAR. 

Amount paid for losses, (including $80 00 occur- 

ring in previous years.; $10,546 -7 

Deduct salvage 1,379 11 



mount paid for losses, 

Cask dividends. 

Commissions or brokerage. 

- and fees. 



All other payments and expenses. 



Actual ca^h expenditures 

VI. MISCELLANEOUS. 







5,917 






77 




" 


11' 


4,016 









Premiums. 



in force having not more than one year 

112 $3,1 

Having more than one and not more than three 

re to ran 102 _ 1.4:24 G7 

Having more than three years to run 



- 

Premiums received since the organization of the Company 

I since the organization of the Company 11,51 

I'.iid stockholders 5,917 

Stock owned by directors at date >n 00 

Loaned to officers and directors 



COMPANIES OF OTHEK STATES. 1 79 



HOWARD FIRE [NSURANCE COMPANY. 

New York City. 

Commeuced Business March, 1825. 

Samuel T. Skxdmobe, President. Theodobb Keeler, Secretary. 

Attorney in Connecticut, Egbert Marsh. Bridgeport, 



I. CAPITAL. 
Capital actually paid up in cash, $500,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, $125,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, « 63,450 00 

Interest accrued on bond and mortgage loans, 1,353 92 

Value of land mortgaged, • $102,000 00 

Value of buildings mortgaged 100,000 00 



$322,000 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States per c., 1881 $45,000 00 $53,212 50 

" 5 •' " 00,000 00 08,250 00 

" "0 " (currency) 200,000 00 230,000 00 

New York State 7 per c, 1877, 5,000 00 5,100 00 

Municipal : — 

New York City, per c, 1887, 10,000 00 10,000 00 

" ' ; " 1878, 10,000 00 10,000 00 

"7 " 1875, 5,000 00 5,350 00 

• ; County, ' : 1889, 2,700 00 2,700 00 

" i; 1888, 2,300 00 2,300 00 

King's " ' ; 1884, 25,000 00 25,000 00 

D. &H. C. Co., 7perc. 1st. mort, '84, 7,000 00 8,050 00 

" " 7 " " " '91, 15,000 00 15,750 00 

" 7 " " " '84, 35,000 00 30,750 00 
Bank Stocks : — 

Metropolitan National. 10.000 00 13,000 00 

Phenix National. 5,000 00 5,000 00 

American Exchange Natimal,..; 14,700 00 16,805 00 



Total > • $151,700 00 $511,107 50 $511,107 50 



L80 FIRE AM) KIKE AND MAKINE INSURANCE 

L< ■ il. 

Amount 

Value. LOfl 

United per o., 1864,. . 

6 •• L864,.. 1,000 00 1,1 ()() 

6 '• 1865,. . l.ooo 00 1,180 oo> 

Am. i. Bank 1,400 00 1,610 00 1,300 00 

J Hud. Cm. Co 17,31 15,000 00 

I'. s. 6 pei o . coup 581,. 1,000 00 1,180 

Citizen's National Bank 1,000 00 1,150 00 1,000 00 

Total |23,700 00 $27, 1 I $20,91 

in Company's principal office, >18 62 

Cash deposited in Bank 18,9 

Interest due and »n stocks 4.1!»1 96 

Interest accrued on collateral loans 721 00 

Net premiums in course of collection 15,531 32 

Bents due and accrued 



Assets of the Company at their actual value. §768,038 32 



III. LIABILITIES. 

Losses in process of adjustment $4,303 31 

Losses resisted, 2, 4.10 00 



Net amount of unpaid losses, 

Ke-insurance on fire risks, one year-or less, $102,088 53 

He-insurance on risks more than one year, 15,582 27 

Reinsurance on inland risks. 225 00 



Amount required to re-insure all outstanding risks. 8117.^ 

Balance due to agents, 227 32 



Total liabilities, except capital stock, $124,87 

Capital stock, 500,000 00 

Surplus beyond capital. 143,161 89 



Total liabilities including capital aud surplus $768, 



IV. INCOME DURING rHE YEAR. 
Fire. Mai 

. ;uis received in casta $259,357 52 <;">o 00 

Deduct re insure itements 
and return premiums Li), 633 i! 

Actual cash premiums f! $240 374 08 

m bonds and m 3,664 18 

interest on loans and dividend .-and bonds 29,138 58 

red from rents MX) 00 



Actual sash income $278 377 11 






COMPANIES OF OTHER STATES. 181 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including .$7,082 82 occurring in pre- 
vious years), $70,188 90 

Cash dividends, 50,000 00 

Commissions or brokerage, 20,173 44 

Salaries and fees, 28.870 00 

Taxes, 0,757 33 

All other payments and expenses, 17,738 00 

Actual cash expenditures, $202,727 07 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year 

torun, ., $23,343,93o 00 $204,177 00 

Having more than one and not more than three 

years to run, 1,501,509 00 13,114 74 

Having more than three years to run 143,594 00 2,4G7 53 

$25,079,098 00 $219,759 33 

Marine. Premiums. 

$0,000 00 $450 00 

Premiums received since March 14th, 1830, 5,058,448 00 

Losses paid since March 14th, 1830, 4,057,090 00 

Cash dividends paid stockholders since March 14th, 1830 1,775,875 00 

Stock owned by directors at date, 74,000 00 

Loaned to officers and directors, 1,000 00 

Loaned to Stockholders, not officers, 3,000 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland) $1,049,709 00 

Premiums received on same, 12,335 33 

Losses paid, 4.895 38 



L82 FIRE AND FIRE AND MARINE [NSURANCE 



HUMBOLDT FIRE INSURANCE COMPANY. 

lbs, New Jebskx. 
Commenced Business May. : 
Geobge Bbown. President. J. G-risnyold, Secretary. 

Attorney in Connecticut, Wm. Wallace, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $200,0 

II. ASSETS. 

Loans ou boud and mortgage, (first liens) not more than one 

year's interest due, $246.99* 

Interest dne and accrued on bond and mortgage loans, 7,854 97 

Value of laud mortgaged $755,710 00 

Buildings (insured for $136,850), 177,890 00 



33,600 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

U. S. 0's, 1881, $4,000 00 $4,720 00 

1,150 00 1,300 00 

Municipal Bonds: — 

Elizabeth City 2,000 00 1,800 00 

Town of Yonkers, 2.000 00 1,940 00 



Total $9,150 00 00 $9,760 00 

Cash in Company's principal office, 

Cash deposited in Bank,... 35,417 00 

Net premiums in course of collection. 23,620 42 



- ts of the Company at their actual value, $324,641 03 

III. LIABILITIES. 

adjusted and unpaid. $9,968 54 

irted and unadjusted, 2,000 

isted 1.77 7 



mount of unpaid losses $13,745 7'.' 



COMPANIES OF OTHER STATES. 188 

Amount required to re-insure all outstanding risks, $99,697 87 

Due for borrowed money, 400 00 



Total liabilities, except capital stock, $118,843 66 

Capital stock 200,000 00 

Surplus beyond capital, 10,797 ."-7 



Total liabilities including capital and surplus. $324,641 03 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $261,154 77 

Deduct re-insurance, rebate, abatements and return 

premiums, 41,155 46 



Actual cash premiums, 8219,009 81 

From interest on bond and mortgage, 14,374 90 

From interest on loans and dividends on stocks and bonds, , 705 GO 



Actual cash income, $235,079 87 



V. EXPENDITURES DURING THE YEAR, 

Amount paid for losses, (including $9,430 G3 occurring in pre- 
vious years), $147,718 88 

Cash dividends, 19,106* 07 

Commissions or brokerage, 50,270 Gl 

Salaries and fees, 6,800 00 

Taxes, 5,223 00 

All other payments and expenses, 15,918 77 

Actual cash expenditures, $245,097 93 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run, $12,407,835 00 $194,542 57 

Having more than one and not more than three 

years to run, 305,156 00 3,503 10 

Having more than three years to run, 104,300 00 1,350 08 



$12,817,291 00 $199,395 75 

Premiums received since the organization of the Company, 566,399 47 

Losses paid since the organization of the Company, 248,949 G2 

Cash dividends paid stockholders, 37.671 G7 

Stock owned by directors at date, 89,100 00 

Loaned to officers and directors, 55,725 00 

Loaned to stockholders not officers, 40,100 00 

Business in Connecticut in 1874. 

Fire risks taken, $124,493 00 

Premiums received on same 3.59G 17 

Losses paid 9 456 50 



I s ! FIRE ANIJ FIHK AN!) MARINE [N8URANCB 



INSUUANC E COMPANY OF NORTH AMERICA. 

Philadelphia, Pf.nn. 
Commenced Business, 1794. 
a G. Co* ■■lent. Matthias Maris, Secretary. 

Attorney in Connecticut, C. 0. Kimball. Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $1,000.00 

II. ASS2TS. 

Real estate owned by the Company unencumbered. $7 !.">1G 80 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 966,690 00 

Interest due and accrued on bond and mortgage loans, 17,211 .">1 

Total value of inortg'd premises, (ins for $621,400) $2,480,000 00 



Stock* and Bonds owned by the Company, 

Par Value. Market Value. 
U. S. and State Stocks : — 

U. S. registered, 1881, $100,000 00 $118,250 00 

" coupon. 1881 100,000 00 119,000 00 

" .Vs. 1881, new 100.000 GO 113,500 00 

11 5's, 1882, new, 100,000 00 113,500 00 

" bonds, 100,000 00 1^7,960 00 

Pennsylvania 5 per c, gold 1877,. 10,000 00 1" 300 00 

'• Spare., 106,000 00 116,500 00 

New Jersey 6's, 50,000 00 53,500 00 

Delaware 6 per c lo.ooo 00 10.000 00 

Connecticut 6 par c., 95,000 00 103,075 00 

Indiana 7 per c, 40,000 00 41,200 00 

South Carolina. 20,000 00 5,000 00 

MrNicii'Ai. Bonds: — 

Philadelphia City, 6perc 300,000 00 312. on: 

Pittsburg City, 7 per e , 50,000 00 50,75 

Milwaukie City. 7 per c, 50.000 00 50,000 00 

Cincinnati City 40,000 00 W).57 






COMPANIES OF OTHER STATES. LS5 

Par Value. Market Value. 
Municipal Bonds : — 

Indianapolis City, 7 3-10 per e $30,000 00 $30,000 00 

Columbus City. Spore. 15,000 00 15,160 00 

Hartford City, 6 per o 50,000 00 47,500 00 

Rochester City. 7 per a, 25,000 00 25,000 00 

Toledo City, 8 per o., 10,000 00 10,000 00 

Harrisbnrg City, 6 per a, 15,000 00 13,500 00 

Providence City, 5 per c. gold,.... 25.000 00 23,750 00 

Newark City, 7 per c. 20, 000 00 20, 200 00 

Cleveland City, 7 per c, 30,000 00 30,000 00 

Boston City, G per c, 100,000 00 102,000 00 

Williamsport City, per c, 3,000 00 2,400 00 

Belief onte Borough, per c. , 6,000 00 5,400 00 

Fall River City, 5 per c. gold. 30,000 00 27,000 00 

Railroad Bonds : — 

Pennsylvania R. R,, 1st mort...... 50,000 00 50,500 00 

2d " 37,000 00 37,555 00 

Phila. &. Reading, 13,000 00 13,585 00 

" 6 per c, 1st mort. 49,000 00 49,000 00 

" " 7perc. ; 50,000 00 52,250 00 

Western Pennsylvania, 15,000 00 12,000 00 

Lehigh Valley. per c. , 50,000 00 50, 750 00 

" " 7 per a, 25,000 00 26,687 00 

North Pennsylvania, 1st mort, 30,000 00 30,000 00 

"■ " 5,000 00 5.200 00 

Delaware, 10,000 00 10,000 00 

D. & R. Canal, and C. & A. R. R. 21,000 00 21,420 ) 

Penn. & N. Y. Ceu 30,000 00 Bl,200 00 

Phila., Wilmington & Baltimore. . 39,000 00 39,000 00 

Railroad Stocks : — 

North Pennsylvania, 0,100 00 6,283 00 

Phila., German. & Norristown 15,000 00 27.00:) 00 

Bank Stocks : — 

Philadelphia National, 10,000 00 17.500 00 

Miscellaneous : 

Delaware Division Canal Co.. 15,000 00 14,250 00 

Lehigh Coal & Navigation Co...... 6,000 OO 5.700 00 

iC " '• • " .... 25,000 00 25,000 00 

Chesapeake & Delaware Canal Co. 37,000 00 31,450 00 

Americans. S. Co.. 40,000 00 31,200 00 

Chesapeake & Delaware Canal Co., 11,400 00 5,700 00 

Phila. & Southern Mail S. S. Co... 5.000 00 2,400 00 

Union Canal Co. , 5,000 00 250 00 

Sandy Hook T. Co., 1,000 00 1,000 00 

Scrip of Mut. Ins. Co 4.775 <j:> 4,775 95 

Total $2,235,275 95 $2,329,250 95 $2 329 250 95 

24 



L86 KIKE AND KIKE AND MAKIXE INSURANCE 

rul. 

Marl Amount 

Value. ined. 

Penn. Life Inauranoe (>., $2,100 00 $4,200 00 $2,320 00 

Lehigh Coal & Nav. Co 7,520 00 5,000 00 

Penn. Life Insurance Co.,. 14, 800 00 29,600 00 11,000 00 

Penn. B. B 4,350 00 4, CDs on 

grisaa B. R 5,000 00 5,200 00 5,000 00 

Philadelphii City, .. 18,000 540 00 



Total |52,250 00 $69,758 00 $42,368 00 $42,36* 

Cash deposited in Bank 462,557 33 

Interest accrued on collateral loans 26 00 

Net premiums in dne course of collection, 837,186 32 

Bills receivable. 424,795 47 

All other property belonging to the Company, 31.410 78 



Assets of the Company at their actual value, $4,686,812 ( J<; 



III. LIABILITIES. 

Losses adjusted and unpaid $22,200 00 

Losses reported and unadjusted, 215,204 > 00 

Losses resisted 19,600 00 



Net amount of unpaid losses, $257,< 

Re-insurance on risks, one year or less $822,075 73 

Re-insurance on risks more than one year 555, 725 10 

Be insurance on marine risks 440,71!) 23 

Amount required to re-insure all outstanding risks, 1,818,520 1G 

Amount reclaimable by the insured on perpetual fire risks 334,752 1 I 

('ash dividends remaining unpaid 1,448 



Total liabilities, except capital stock, $2,411,721 07 

Capital stock, 1.000,000 00 

Surplus beyond capital, 1,275,091 89 

Total liabilities, including capital and surplus, $4,686,812 96 



IV. INCOME DUBING THE YEAR. 
Fire. M.eino. 

Premiums received in cash, - . 224.294 41 

Deduct re-insurance, rebate, and re- 
turn premiums 185,367 22 354,153 7! ( 

Actual cash premiums $1,684,814 66 $1 B70,140 62 $3,554,955 28 

Bills and notes for unpaid premiums 424,795 47 

interest on bonds and mortgages 46,547 54 

From interest on loans and dividends on stocks and bonds 111,926 98 

iU premiums on perpetual fire risks $20,162 25 

• It ill 500,000 00 

Actual cash income $3,713,429 <•» 



COMPANIES OP OTHER STATES. 18' 

V. EXPENDITURES DURING THE YEAE. 

Pira Marine. 

Amount paid for losses, (including 

xi 5 .",:'. 500 occurring in previous 

years), $855,924 67 $1,291,601 00 

Deduct salvage A-c 12,523 74 155,047 96 



Xet amount paid for losses..... 8843.400 93 $1,136,553 04 $1,979,953 97 

Cash dividends, , 150.051 20 

Commissions or brokerage, 432,447 08 

Salaries and fees 215,963 29 

Taxes. 90,909 23 

Deposit premiums returned on perpetual fire risks $7,032 48 

Actual cash expenditures, 82,809,325 37 

IV. MISCELLANEOUS. 

Fire. Premium*. 

Risks in force having not more than one year to 

rim. 8105,340,002 00 $1,023,009 23 

Having more than one and not more than three 

years to run 54,700,523 00 084,413 70 

Having more than three years to. run, 11.344.308 00 114,959 68 

Perpetual risks in force and interest premiums, 12,119,042 00 352.370 04 



$183,516,475 00 82. 77-1. 753 25 

Marino. Premiums. 

811,497 833 00 $440,719 33 

Premiums received since the organization of the Company 00,000,000 00 

Losses paid since the Company organized, 36,000,000 00 

Cash dividends paid stockholders 8.450.000 00 

Stock owned by the directors at date, 40,420 10 

Loaned to stockholders not officers, , 34, 3GS 00 

Business in Connecticut in 1874. 

Fire risks taken 83,534,000 00 

Premiums received on same. 48,988 52 

Losses paid, 31.052 00 



FIKK ANlJ !'l!:i: AN!) MAKINK INSURANCE 



HIVING FIRE INSURANCE COMPANY. 

New Yobs. Lit v. 

Commenced Business April. 1872. 

Martin L. Orowell, President. James M. Wilson, Secretary. 

Attorney in Connecticut. A. E. Dudley, New Haven, 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 89, 700 00 

Interest due and accrued on bond and mortgage loans, 7G8 25 

Value of land mortgaged $145,000 00 

Building (insured for $81,050), 91.000 ()(> 



$239,000 00 



Stocks cmd Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 
• United States reg. L904, $165,000 00 $180,337 50 $189,337 50 

Loans on Collateral. 

Tar Value. Market Value. Ann. Loaned. 
East River National Bank $3,000 00 $3,300 00) Ao TK _ M 

36/, /5U OO 

Irving National Bank, 1,000 00 1,240 00) 

West Side Bank, 2,500 00 2,750 00) { 

American Express Co., 3,800 00 2,356 00 > 

LakeS. & Mich. S. It. B 1,000 00 800 00 425 00 



Total, $11,300 00 $10,440 00 $7,175 00 $7,176 00 

Cash deposited in Bank, $2,224 09 

Interest accrued on collateral loans 81 85 

Net premiums in course of collection, 13.449 48 



of the Company at their actual value, $302,736 17 



COMPANIES OF OTHER STATES. 189 

III. LIABILITIES. 

Losses adjusted and unpaid, $7,211 34 

Losses reported and unadjusted, 7,700 00 



Net amount of unpaid losses, $14,011 34 

Re-insurance on fire risks, one year or less, $62,747 58 

Re-insurance on risks, more than one year, 2,888 7G 



Amount required to re-insure all outstanding risks, 65,636 34 

Cash dividends to stockholders remaining unpaid, 6,245 00 

Due for salaries, printing &c, ; 1.083 33 



Total liabilities except capital stock, $87,876 01 

Capital stock, 200,000 00 

Surplus beyond capital, 14,860 16 



Total liabilities, including capital and surplus, $302,736 17 

IV. INCOME DURING THE YEAR. 

Premiums rejeived in cash, $144,055 64 

Deduct re-insurance, rebate, abatements and return 

premi urns, * 8,194 74 

Actual cash premiums, .$135,860 90 $135,860 90 

From interest on bonds and mortgages, 6,071 12 

From interest on loans and dividends on stocks and bonds, 10,921 36 

From rents, profit on sale of United States stocks,.. 4,795 12 



Actual cash income, $157,648 50 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $3,810 14 occur- 
ring in previous years,) $57,704 23 

Deduct salvages &c. , 4 50 



Net amount paid for losses, ■. $57,699 73 

Cash dividends 27. 265 00 

Commissions or brokerage, 19 G04 29 

Salaries and fees, v 14,425 00 

Taxes, 3^584 58 

All other payments and expenses, 11799 41 



Actual cash expenditures, $134,378 01 



Premiums. 



VI. MISCELLANEOUS. 

Risks in force having not more than one year to 

run, $9,957,712 00 $125,495 15 

Having more than one and not more than three 

yearstorun, 259,182 00 3.290 19 

Having more than three years to run, 19,700 00 51150 



$10,236,594 00 $129,296 84 



190 FIBK AND FIRE AND MARINE INSURANCE 

Premiums received since the re-organization of the Company $295,007 '.'7 

Losses paid since the Company re-organized 199,112 32 

Cash dividends j>;ii<l stockholders 34.000 00 

Stock owned by directors at date, 86,800 00 

Loaned to officers and directors, 6,750 00 

Loaned to stockholders not officers, 426 00 

I! ashless in Connecticut in 1874. 

Fire risks taken (no inland), $144,763 66 

Premiums received on same, 2,303 18 

Losses paid, 2,302 15 



LAMAR FIRE INSURANCE COMPANY. 

New Yoek City. 
Commenced Business. April, 1872. 

Isaac R. St John, President. Wm. It. MacDiarmiu, Secretary. 

Attorney in Connecticut, C. M. Webster, Hartford. 



I. CAPITAL. 
Capital actually paid up in cash $200,000 00 

II. ASSETS. 
Loans on bond and mortgage, (first liens) not more than one 

year's interest due, $33,900 00 

Value of the lands mortgaged, $27,000 00 

Buildings (insured for $33,900 00) 57,000 00 



$84,000 00 



Stocks and Bonds owned by the Company 

Par Value. Market Value. 
U. S. and State Stocks: — 

U. S. (iperc, currency, $60,000 00 $70,800 00 

" 10-40's, 35,000 00 40,260 00 

• 5-20's, 1862 40,o(io 00 46,000 00 

" 5-20's, 1864, 11.000 00 12.760 00 

" 5-20's, 186.'), old, 39,000 00 46,020 00 

" 5-20's. 1865, new 20,000 00 23,800 00 

11 5-20*8,1867 So.ooooo 85,550 00 

•• 6pero.,1881 35,000 00 11.300 00 



Total, $270.000 00 $316.480 00 $316,480 00 



COMPANIES OF OTHER STATKS. 1<>L 



Loans on Collateral. 



Par Value. Market Value. Amt. Loaned. 

Mechanics Bank, $2,050 00 $3,075 00 $1,500 00 

United States 5- 20'a,... 3.000 00 3,540 00 3,000 00 

" " 5-20'fl,... 4.000 00 4,720 00 4,000 00 

Total, $9,050 00 811,335 00 $8,500 00 $ 8, 500 00 

Cash in Company's principal office 4,400 74 

Cash deposited in Bank 11,133 35 

Net Premiums in course of collection, 0,337 56 

Bills receivable 5,834 42 



Assets of the Company at their actual value. $386,586 07 



III. LIABILITIES. 

Losses reported and unadjusted. $19,200 00 

Losses resisted. 2,500 00 



Net amount of unpaid losses $21,700 00 

Re-insurance on fire risks, one year or less $74,187 13 

Re-insurance on risks more than one year, 4,240 94 

Re-insurance on inland navigation risks, 3,013 07 



Amount required to re-insure all outstanding risks, 81.441 14 



Total liabilities, except capital stock, $103,141 14 

Capital stock, 200,000 00 

Surplus beyond capital, 83,444 93 



Total liabilities, including capital and surplus, $386,580 07 



IV. INCOME DURING THE YEAR. 

Fire. Inland. 

Premiums received in cash $175,203 82 $60,397 51 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 13,345 16 12,902 22 



Actual ca?h premiums $101,858 00 $47,495 29 $209.353 9.") 

Bills and notes for unpaid premiums, . 150 00 5,084 42 

From interest on bonds and mortgages, , 2,373 00 

From interest on loans and dividends on stocks and bonds, ... . 15.410 21 



Actual cash income, $227,143 10 



V. EXPENDITURES DURING THE YEAR. 

Fire. Inland. 

Am't paid for losses, (includ. $3,689 62 

occurring in previous years,) $47,309 68 $28,509 49 

Deduct salvage &c, 42 22 3,491 79 



Net amount paid for losses, $47,207 46 $25,017 70 $72,285 10 



PIKE AND FIRE AND KAKINK INSURANCE 

Cash dividends >._-.».,.„, < <> 

Oomrni 22 U 

Salarit 15,61 



All other } ml expenses 15,644 76 

Actual cash expenditures £14 7.'.'- 



VI. MISCELLANEOUS. 



Fire. 



- in force having not more than one year to run $11,401,5) 
Having more than one and not more than three 

years to run 338,350 00 

Having; more than three vears to run 109,1 



Inland. 

Premiums received since the organization of the Company 

Losses paid since the Company organized 

lividends paid stockholders. 

Stock owned by directors at date 

Loaned to stockholders not officers 



Premium*. 

- 

4.1 
1,51 

*1.->4.414 08 
PremiDm& 

►50 14 
W 21 

20,000 00 

200 00 

B,600 00 



Business in Connecticut in 1874. 

Fire and inland risks taken 

Premiums received on same 

Losses paid, 



9,079 26 
3,6 



COMPANIES OF OTHER STATES. 193 



LORRILLARD INSURANCE COMPANY. 

New York City. 

Commenced. Business January. 1872. 
Carlisle Norwood, President. John - C. Mills, Secretary. 

Attorney in Connecticut^ R. S. Buet, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash. $300,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered. $10,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 88,3(.0 00 

Interest accrued on bond and mortgage loans, 3.090 50 

Buildings port. (ins. for $ 80, 500), *25.°>.O0O 0D 

Stocks and Bonds owned by the Company. 

Par Valne. Market Value. 
U. S. and State Stocks : — 

United States 5 per c, 1881. reg.. $150,000 00 $171,000 00 

" M 5-20's, 1864 50,000 00 58,250 00 



Total $200,000 00 $229,250 00 $229,250 00 



Loans on Collateral. 

Par Value. Market Valne. Amt. Loaned. 
N. Y. Cen & H. R. R. R., $50,000 00 $57,000 00) 
Second Avenue R R.,.. 
Bank of the Metropolis, 

Rutgers Ins. Co. , 

Phenix Bank., 

Lenox Ids. Co., 

Citizens Ins. Co 

Citizens Scrip 



Jt>OU,UWU UU q 

5.000 00 


5.000 00) 


$50,000 00 


3.000 00 


3,000 00 


2.000 00 


1,000 00 


1,500 00 


1.000 00 


1.000 00 


1.000 00 


800 00 


175 00 
200 00 


175 00^ 
300 00 - 


700 00 


730 00 


GOO 00) 





Total .$01,105 00 $68,575 00 $64,500 00 $54,500 00 

25 



194: FIRM AND FIRE AND MARINE INSURANCE 

Gash in Company's principal office >] ~-i 

Cash deposit 1 in Bank S3 } 915 44 

; ion stocks 1,471 

I on collateral loans 2,681 < \) 

Nel premiums in course of collection, 17,814 60 

All other property belonging to the Company, 2,833 I 'l 



of the Company at their actual value $ 1 13,801 69 



III. LIABILITIES. - 

Losses reported and unadjusted, s;5.:;,o 00 

Net amount of unpaid losses. s:;.7;,o no 

Re-insurance on fire risks, one year or less, $60 567 (X) 

lie-insurance on risks more than one year, 10,580 7."> 



Amount required to re-insure all outstanding risks 71,147 75 

Due and accrued for salaries, rent <fcc, 1,666 66 



Total liabilities except capital stock, *7<;.")<;4 41 

Capital stock, 300,000 00 

Surplus beyond capital 67,2i " 26 



Total liabilities, including capital and surplus. $443,801 60 



IV. INCOME DURING THE YEAR. 

Premiums received in cash 8208,818 82 

Deduct re-insurance, rebate, abatements and re- 
turn premiums, 37,051 40 



Actual cash premiums $171,767 42 

Iuterest on bonds and mortgages, 17. .'583 78 

From interest on loans and dividends on stocks and bonds 13,243 93 



Actnal cash income $202,395 13 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, $58,419 78 

Deduct salvages &c, 1,454 71> 



Net amount paid for losses. $56,96-1 99 

Cash dividends 30,000 00 

Commissions or brokerage 26,630 10 

Salaries and fees, 25.715 00 

1 13,523 34 

All other payments and expenses 13,828 ."'.' 



Actnal cash expenditures. $166,661 



>■' 



COMPANIES OF OTHEIt STATES. [<Jo 

VI. MISCELLANEOUS. 

Premiums. 

Itisks in force having not more than one year 

to run, i $10,389,137 00 $121,134 00 

Having more than one and not more than three 

years to run, 007,081 00 "10,515 50 

Having more than three years to run, 352,134 00 4,735 00 



$11,648,352 00 $136,384 50 

Premiums received since the organization of the Company, 555,11)3 00 

Losses paid sinc6 the Company organized, 292,692 56 

Cash dividends paid stockholders, 51,000 00 

Stock owned by the directors at date, 106,000 00 

Loaned to directors, 50,000 00 

Loaned to stockholders, not officers, 10,000 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland), , $382,367 00 

Premiums received on same, 4,939 22 

Losses paid, , 1,641 22 



MANHATTAN FIRE INSURANCE COMPANY. 

New York City. 

Commenced Business, March. 1872. 

Andrew J. Smith, President. John H. Beoell, Secretary. 

Attorney in Connecticut, George K. Cowles, Norwalk. 



I CAPITAL. 
Capital actually paid up in cash, $250,000 00 

II. ASSETS. 
Loans on bond and mortgage, (first liens) not more than one 

year's interest due, $201,098 55 

Interest due and accrued on bond and mortgage loans, 2.581 GG 



196 FIRE AND in:!: AM) MAHINK INSURANCE 

St iks and Bond* owned by the Company. 

Par \ Markol Value. 

U. S. lnd Sr.. E :a: — 

United States currency G'a $100,000 00 $118,000 00 

11 " " 10-40*8, 50,000 00 57,5i 00 

4i u 5-20'b, 100,000 00 118,000 00 

South Carolinia bonds 20,000 oy 6,000 00 

Total, $270,000 00 $299,500 00 $299,501 

Loans on Collateral. 

Par Market Amount 

Value. Value. Loaned. 

United States 5- 20's. L8G7 $1,000 00 $1,180 00 $1,000 00 

Mechanics' Bank 700 00 700 00 350 00 

United States 10-40's 3,000 CO 3,450 00 2,500 00 

; ' " currency 6s 1,000 00 1,150 00 700 00 

Eannibal & St. Joseph E. R., 10,000 00 2,600 00 1,150 f»0 

Knickerbocker Ice Co., 33,300 00 36,630 00 25,(00 00 

United States 10-40's, 5,000 00 5,750 00 5,000 00 

" " 10-40,8, 1,000 00 1,150 00 7<)0 00 

Phenix Ins. Co 5,000 00 5,750 00 5,000 00 

Knickerbocker Ice Co., 3,700 00 -1,070 00 3,000 00 

United States f>-20*8 2,000 00 2,360 00 2,000 oo 

Bank of America, 2,000 00 2,500 00 2,000 00 

United States Currency 6s,... 4,000 00 4,720 00 3,500 00 

Dry Dock & East 13. It. It.,.. 3,400 00 5,000 00 2,500 00 

United States 5-20's, 1.500 00 1.770 00 1.400O0 

Central Pacific Gold bond,... 1.000 00 1,000 00 700 00 

N. Y. &N. H. It. It., 1,0C0 00 1,500 00 1,000 00 

United States 10-40's 1.000 00 1,160 00 1,000 00 

11 " Currency 6s, . 1,500 00 1,774 00 1,500 00 



Total, $81,100 00 $84,204 00 $60,000 00 $60,000 00 

Cash deposited in Bank, 81,216 77 

Interest due and accrued on collateral loans, 7. Mi 00 

Net premiums in course of collection, 36,320 56 

Dills receivable, not matured, 7,986 25 

All other property, salvages &c, 7,375 00 



Assets of the Company at their actual value. $696,828 79 

III. LIABILITIES. 

Losses reputed and unadjusted $19,700 00 

Ite-insu ranee on fire risks, one year or less $235,545 l".» 

Re-insurance on risks more than one year, 3.823 '.'.'I 

Amount required to re insure all outstanding risks $239,369 22 

Total liabilities except capital stock, $259,069 22 

Capital stock r 250,004 

Surplus beyond capital 187,759 ">7 



I'otal liabilities including capital and surplus $696,828 79 



COMPANIES OF OTHER STATES. 197 

IV. INCOME DURING THE YEAR. 

Fire. Marine. 

Premiums received in cash, $656,498 01 $68,1)33 95 

Deduct re-insurance, rebate, abatements 

and return premiums, 50,322 81 27,133 50 

Actual cash premiums, $605,175 23 $41,800 45 $040,975 68 

From interest on bonds and mortgages, 11,900 00 

From all other sources, 15, 100 09 



Actual cash income, $073,975 77 



V. EXPENDITURES DURING THE YEAR. 

Fire. Marine. 

Amount paid for losses, $307,523 34 $21,012 65 $328,535 99 

Cash dividends, 25,000 00 

Commissions or bi^okerage, 106,577 54 

Salaries and fees, 47,500 00 

Taxes, 12.591 00 

All other payments and expenses, 51,709 26 



Actual cash expenditures, $571,913 79 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run, $28,811,807 88 $471,090 59 

Having more than one and not more than three 

years to run, 2,798,460 00 6,177 90 

Having more than three years to run, 524,625 40 1,609 65 



$32,134,893 28 $478,878 14 

Premiums received since the organization of the Company, 1,626,833 95 

Losses paid since the Company organized, 772,916 83 

Cash dividends paid stockholders, 50,000 00 

Stock owned by directors at date, 68,900 00 

Loaned to officers and directors, ,. 5,000 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland), $1,123,503 00 

Premiums received on same, 19,370 18 

Losses paid, 8,691 25 



FIRE AND l'li:K AND MAKINK [NSUKANCE 



MANUFACTURERS INSURANCE COMPANY. 

Newark. N. J. 

Commenced business August, is;;;. 

Geo. Wilkinson. President. D. Smith Wood, Secretary. 

Attorney in Connecticut, C. C. Kimball, Hartford. 



I. CAPITAL. 

Capital actually paid up iu cash, 1(200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due 146,^(>4 17 

Interest accrued on bond and mortgage loans, 4.03G 73 

Value of the land mortgaged, $300, 000 00 

Buildings (insured for $40, 850) 47, 000 00 

$347.ooo oo 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

Municipal Bonds : — 

City of Elizabeth, $6,000 00 

Railway City, 

Bank Stocks : — 

Manufacturers National Bank 

Germau National Bank, 



MlSCKLIiANBOUS : — 

State Trust Co., 

Newark Industrial Institute. 



$5,000 00 


$5,000 00 


5,000 00 


T..O00 00 


31,700 oo 


31,700 00 


1,000 00 


1,000 00 


L'.O(K) 00 


2,000 00 


250 00 


260 00 



Total, $44,960 00 $44,950 00 $44,950 00 



COMPANIES OF OTHER STATES 



Loans on Collateral. 



Par Market Amount 

Value, Value. Loaned. 



$5,000 00 



Manufacturers Nat, Bank, . . $1,000 00 $1,000 00 > 

N., B. & Mt. C. H. C. R. R. 10,500 00 4,200 00 J 

" " •« " 10,000 00 4,000 00 3,600 00 

Sussex R, R., 10,000 00 0,000 00 2,500 00 

Citizens Gas Light Co., 9,912 5Q 0,938 00 7,000 00 



Total, $41,412 50 $22,138 00 $18,100 00 $18,100 00 

All other loans, 8,000 00 

Cash in Company's principal office. 0,912 41 

Cash deposited in Bank, 25,185 10 

Interest accrued on stocks, . , . .'. 204 17 

Interest accrued on collateral loans, 173 85 

Net premiums in course of collection, G.757 57 



Assets of the Company at their actual value $202,084 00 



III. LIABILITIES. 

Losses adjusted and unpaid, $924 20 

Losses reported and unadjusted, 1 750 00 

Net amount of unpaid losses, $2,074 20 

Re-insurance on fire risks, one year or less, $34,875 70 

Re-insurance of risks more than one year, 3,389 47 



Amount required to re-insure ail outstanding risks, 

Interest due and remaining unpaid . 

Due for borrowed money, , 



Total liabilities, except capital stock, 

Capital stock, , 

Surplus beyond capital, 



Total liabilities, including capital and surplus. 



38,205 17 


44 32 


700 00 


$11,083 75 


200,000 00 


20,400 25 


£202,084 00 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, $80,055 83 

D 3 Inct re-insurance, rebate, abatements and return 

premiums, 7,021 58 

Actual cash premiums, $79 034 e >~ 

From interest on bonds and mortgages, 3 709 00 

From interest on loans and dividends on stocks and bonds 4 593 7() 

From all other sources, g ^q^ „„ 



Actual cash income 



$90,841 95 



200 PIRB AND FIKK AND If A KINK WSUKAXCK 

V. EXPENDITUBBa DURING THE VKAK. 

Amonntpaid for Loesef -7 -.; 

Commissions or brokerage 18 42G 70 

Salaries and fees 6 114 00 

1 1.:; 

4U other payments and ex] 8,763 49 

ial cash expenditures - . . 1 ; \ q\ 



VI. BflSCELLANEQUS 

$isks in force having not more than one year to 

run $4,870,260 00 

Baying more than one and not more than three 
years 1 »rnn 222,750 00 

II iving more than three years to run, 700 <.'<) 



Premiums. 


167.522 


08 




76 


994 


32 


>71,578 


67 




G,48? 




145,850 


00 


16,600 00 


33,600 


c(i 



15,160,670 00 

Premiums received since the organization of the Company, 

Losses paid since the organization of the Company 

Stock owned by directors at date 

Loaned to officers and directors 

Loaned to stockholders not officers, 



Business in Connecticut in 1874. 

Fire risks taken (no inland), $346,183 00 

Premiums received on same, 6,068 28 

Losses paid, , 1 . 1 1' 4 95 



COMPANIES OF OTHEH STATES. 201 



MERCHANTS INSURANCE COMPANY. 

Providence. R. I. 

Commenced Business June, 1851 

Walter Paine. President. Charles Foster. Secretary. 

Attorney in Connecticut, Geo. S. Lester, New Haven. 



I. CAPITAL. 

Capital actually paid up in cash $200,000 00 

II. ASSETS, 

Stocks and Bonds owned by the Company, 

Piir Value. Market Value. 
Bank Stocks : — 

National Bank of Commerce, $80,000 00 $80,000 00 

American National Bank 50,000 00 52.500 00 

Globe " " 20,000 00 20,000 00 

Merchants " " 20,000 00 23,000 00 

Phenis " " 10,000 00 15,000 00 

Mechanics " " 12,850 00 10,705 00 

Manufacturers" " 10,200 00 12,312 00 

Miscellaneous : — 

Provideuce Gas Co., 23,350 00 42,030 00 

Delaware & Hudson Canal Co., 6,600 00 7.701 00 



Total, $233,000 00 $269,881 00 $209,881 00 

Cash in Company's principal office, 675 89 

Cash deposited in bank, 87,612 16 

Interest accrued on stocks and bonds, 5,977 32 

Net premiums in course of collection, 12,391 31 

Assets of the Company at their actual value, $376,507 68 



III. LIABILITIES. 

Losses adjusted and unpaid, $2,182 00 

Losses reported aud unadjusted, 9,79-t- 00 



Net amount of unpaid losses $12,276 00 

26 



202 ETRK AND FIRE AND MARINE INSURANCE 

Re-insoranoe on fire risks, one year or less $85,147 23 

Be-insaranoe on risks more than one year, 6,648 09 

Amoont required to re-insure all outstanding risks. $91,795 82 

All other demands against the Company, 321 85 



Total liabilities except capital stock. $104,393 17 

Capital stock, 200,000 00 

Surplus beyond capital, •. 72, 171 51 

Total liabilities, including capital and surplus, $370,507 08 

IV. INCOME DURING THE YEAR. 

Fire. Marine. 

Premiums received in cash, $202,555 36 3,117 03 

Deduct re insurance, rebate, abatements 

and return premiums 17,207 56 120 00 



Actual cash premiums, 8185,287 80 $2,990 97 $188,278 77 

From interest on loans and dividends on stocks and bonds 21.355 38 



Actual cash income, $209,634 15 

V. EXPENDITURES DURING THE YEAR. 

Fire. Marine. 

Amount paid for losses, (including 

§17.919 10 occurring in previous 

years.) $93,407 70 $37 00 

Deduct salvage 323 28 



Net amount paid for losses,.... $93,084 48 $37 06 $93,12154 

Cash dividends, 24,0 

Commissions or brokerage, 37.405 33 

Salaries and fees, 13,506 61 

Taxes, 5,057 07 

All other payments and expenses, 813 88 



Actual cash expenditures, $=174,505 03 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year 

torun, $ll,15.->, 770 00 $170,294 40 

Having more than one and not more than three 

yearstorun. 489,278 00 0.318 40 

aving more than three years to run, 230,518 00 3,909 41 



$11. s 75, 51*0 00 $180. 522 30 

Premiums received since the organization of the Company 3,212,058 47 

Losses paid since the organization of the Company, 2,107,118 30 

Cash dividends paid stockholders 430, 000 00 

Stock owned by directors at date, 32,250 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland) $721,309 00 

Premiums received on same, 11,350 21 

Losses paid 10.071 53 



COMPANIES OF OTHER STATES. 203 



MERCHANTS INSURANCE COMPANY. 

Newabk, New Jersey. 

Commenced Business April, 1858. 

Silas Merchant, President. Henry Powles, Secretary. 

Attorney in Connecticut, Geo. Kellogg. Hartford. 



I. CAPITAL. 
Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Pteal estate owned by the Company unencumbered^ $86,500 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due. 309,505 00 

Loans on bond and mortgage, (first Hens) more than one year's 

interest due, 8,900 00 

Interest accrued on bond and mortgage loans, 8,912 QS 

Value of land mortgaged, $-458,705 00 

Value of buildings mortgaged 610,930 00 



$1,079,635 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks :— 

United States 5-20's, $100,000 00 $117,000 00 

Municipal Bonds : — 

Newark City bonds, 100,000 00 100,000 00 

New Biuuswick Water bonds, 3.300 00 3,300 00 



Total, $203,300 00 $220,300 00 $220,300 00 

Loans on Collateral. 

Par Value. Market Val. Amt.Loaned. 

Cen. R. E. of N. J., $3,500 00 $3,762 50 $3,500 00 

Am. Trust Co., N. J., 1,000 00 1,050 00 950 00 

Merchants National Bank,.... 1,000 00 1,000 00 1,000 00 

Am. Trust Co , N. J., 5,000 00 5,250 00 4,500 00 

N. City National Bank, 2, 550 00 3,825 00 2,500 00 



204 



FJRE AND FIRE AND MA KINK INSURANCE 



Par Valne. Market Value. 



Am Trust Co , N. J.,, 



$1,00 

10 00 

:;.ti 

00 



Aferohanta National Bank,. 

v City Eoe Oo 

ifl Lighl Co 

Paoifio Mail S. S. Co 10,000 oo 

Merchants National Bank 1,000 00 

Oen. B. U. ->f N. .1 2,5 

•' • " 



1,05 
2,100 

I oo 

oo) 
- oo ) 

1 00) 
- :,o> 
(0 oo 



Amt.!. 

00 oo 
2, I >0 00 

3,0<" 
800 00 



Total. $46,150 (>o |38,185 00 $30,150 00 $30,150 00 

Cash in Company's principal office, 3,122 16 

Cash deposited in Bank , 25,7 

Interest due and accrued on stocks, 

Interest accrued on collateral loans, 1,217 06 

Net premiums in course of collection, 30.824 02 

Eents due and accrued, 1,565 00 

ets of the Company at their actual value, $789,596 01 



III. LIABILITIES. 

Losses adjusted and unpaid, $3,< >96 38 

Losses in process of adjustment. 17.000 00 

Losses resisted, .">..->00 00 



Net amount of unpaid losses, 

Re-insurance on fire risks, one year or less, $170,570 30 

Re-insurance on risks more than one year, 31,823 66 



Amount required to re-insure all outstanding risks,, 

Reclaimable on perpetual risks, 

Principal on unpaid scrip, 

Interest due and declared, remaining unpaid 



Total liabilities, except capital stock. 

.: stock 

Surplus bey J, 



$23,596 38 



202,393 95 

570 00 

3,21G 00 

9,869 26 

15 59 
200,( 
349,951 02 



Total liabilities including capital and surplus $789, 



IV. INCOME DURING THE YEAR. 

Premiums received in cash f 102,382 7^ 

Deduct re-insurance, rebate, abatements, and return 

premiums 32,369 4o 

Actual cash premiums $370,013 38 

From interest on bonds and mortgages 23,o'. f J 56 

: interest on loans and dividends on stocks slid bonds 13,931 20 

... d from rents 4,053 04 



Actual sash income $411,392 18 



COMPANIES OF OTHER STATES. 205 

V. EXPENDITURES DUPING THE YEAP. 

Amount paid for losses, (including $15,373 33 occur- 
ring in previous years), $142,938 03 

Deduct salvages &c, 3,720 14 

Net amount paid for losses, $139,218 79 

Cash dividends, 31,298 78 

Scrip or certificates of profits redeemed in cash, 8, 5G7 00 

Commissions or brokerage, 57.715 78 

Salaries and fees, 22,917 49 

Taxes, '. 1,091 47 

All other payments and expenses, G6,142 26 



Actual cash expenditures, , $326,951 57 



VI. MISCELLANEOUS. 



Premiums. 



Pisks in force having not more than one year 

to run, $31,689,807 00 $341,098 61 

Having more than one and not more than three 

years to run, 3,275,259 00 41,950 10 

Having more than three years to run 730,582 00 10,861 16 

Perpetual risks in force, 22,300 00 42 00 



$35,727,948 00 $393,951 87 

Premiums received since the organization of the Company, 1,656,899 45 

Losses paid since the Company organized, 590,029 20 

Cash dividends paid stockholders, 107,787 00 

Stock owned by directors at date, 56,300 00 

Stock dividends declared, 40,000 00 

Loaned to officers and directors 10.250 00 

Loaned to Stockholders, not officers, 10.900 00 

Business in Connecticut. 

Fire risks taken ("no inland) $677,403 00 

Premiums received on same, 8,916 73 

Lossespaid, 1,974 74 



20fi KIBE AND FIKK AND MARINE [N817RAN 

MISSISSIPPI VALLEY INSURANCE COMPANY. 

Memphis, Tenm. 

Commenced Business December, 1805. 

T. B. Dillard, President. H. Gronauer, Secretary. 

Attorney in Connecticut, J. II. Gur, West Meriden. 



I. CAPITAL. 

Capital actually paid up in cash, $1)0,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, $ 1 1 >, 1 74 00 

Interest aie and accrued on bond and mortgage loans, 3,888 -48 

Value of land mortgaged $02,000 00 

Buildings (insured for $7,000), 41,000 00 



$103,000 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States 6's, $20.000 00 $23,175 00 

Tennessee, 20,000 00 16,891 26 

Missouri, 20,000 00 19,835 00 

Mississippi, 8,000 00 3,G57 35 

Illinois, 20,000 00 20,887 16 

Kailroad Stoces : — 

Memphis City, 51,000 00 25,500 00 

Miscellaneous : — 

Union Cotton Compress Assoc.,... . 20,000 00 12,000 00 

Memphis Water Co., 3,000 00 2,400 00 



Total. $1G2,000 00 $124,315 7G $124,345 70 

Loans on Collateral. 

Par Value. Market Value. Amt.Loaned. 

First National Bank, $5,000 00 16,260 00 $5,000 00 

" " 2.5(i0 00 3,125 00 2,500 00 

" " 2.(100 00 2,500 00 2,000 00 

" " 2,000 00 2,500 00 2,000 00 

1,500 00 1,875 00) j 760 0() 

State of Alabama, 500 00 260 00* 

City of Memphis, 3,000 00 1,500 00 1,260 00 



COMPANIES OF OTHER STATES. 



207 



Par Value. 

Memphis OityE. R., $7,600 00 

Mem. W. & W. Mfg. Co., 8,400 00 

Brownsville Sav. Bank,... 1,000 00 

Planters Insurance Go.,.. 1,000 00 

Bluff City Insurance Co., 3,000 00 

Planters Insurance Co.,.. 5,000 00 

Bluff City Insurance Co., 2,000 00 

Planters Insurance Co.,.. 1,000 00 

Memphis Gas Light Co., . 5,000 00 

N. O. Canal & Bank. Co., 2,700 00 

Memphis City, gold, 2,000 00 

Memphis City, gold, 1,000 00 

Mutual Storage Co. , 1 , 000 00 

Planters Insurance Co.,.. 1,000 00 

Phoenix Insurance Co...... 1,000 00 

Planters Insurance Co.,. . 1,000 00 

Mem. W. & W. Mfg. Co., 4,000 00 

Lien on Str. "Belle Lee." 8,500 00 

Memphis Water Co 5,000 00 

Planters Insurance Co.,.. 1,000 00 

Washington Ins. Co 2.000 0Q 

Mem. & Charleston R.R. . 7,975 00 

Washington Ins Co., 2,000 00 

Memphis City R. R., 23,400 00 

Mem. & Charleston R.R... 4,375 00 

Mound City L. Ins. Co.,.. 1,000 00 

Planters Insurance Co.,.. 2,900 00 

Mississippi Levee. 1, 500 00 

Bank of Commerce, 3,750 00 

Planters Insurance Co.,.. 1,000 00 

Planters Insurance Co.,.. 3.000 00 

First National Bank, 1,000 00 

First National Bank, 1,900 00 

Mississippi Levee, 1,500 00 

Mississippi Levee, 9,000 00 

Home Insurance Co 2,000 00 

Phoenix Insurance Co.,... 2,000 00 

Memphis City R. R., 5,000 00 

Memphis City R. R,, 10,000 00 

St. Louis Life Ins. Co.,... 2,000 00 

Southern Life Ins. Co.,... 2,000 00 

Mem. & Tharleston R.R .. 4,625 00 

Fourth National Bank, .... 1 , 500 00 

Bank of Commerce, 1,000 00 

St. Louis Life Ins. Co.,... 3,000 00 

St. Louis Life Ins. Co.,... 1,000 00 

St. Louis Life Ins. Co.,... 4,000 00 

Memphis City R. Rr, 900 00 

Bank of Commerce, 1, 500 00 

Union Cot. Com. Assoc.,. 2,500 00 



Market Value. 


Am t. Loaned. 


$3,750 00 


$2,500 00 


1,700 00) 
1,000 00) 


2,500 00 


900 00) 
1,050 00) 


1,000 00 


4,500 00 


1,750 00 


700 00 


500 00 


900 00 


625 00 


5,000 00 


2,750 00 


2,700 00 


1,875 00 


1,100 00 


900 00 


550 00 


500 00 


1,000 00 


500 00 


900 00 >_ 
350 00)" 


1,000 00 


900 00 [ 
2,000-00* 


2,500 00 


3,500 00 


2,500 00 


4,000 00 


3,000 00 


900 00 | 
700 00) 


800 00 


1,190 25^ 
700 00 > 


800 00 


11,700 00 


8,750 00 


656 25 ~ 
800 00 






2,610 00 
600 00 


)■ 7,500 00 


3,375 00 




900 00. 




2,700 00)^ 
1,250 00) 


2,500 00 


2,375 00\ 
600 00) 


2,575 00 


3,600 00 


2,869 15 


700 00 £ 
700 00) 


835 00 


5,000 00^ 




5 ; 000 00 




1,600 00 




1,600 00 




093 75 




1,350 00 




900 00 


- 20,875 06 


2,400 00 


800 00 




3,200 00 




450 00 




1.350 00 




1,500 00. 





FIRE AND FIRE AND MARINE INSURANCE 



2,000 00 
1,550 00 



Par v.iiur. ifarki I Value. Amt I 

Planters Insnranoe C K) 00 $450 00) s ._ ( 

Bank of Commeroe, 500 00 450 OOJ 

Planters [nsnrance Co 1,000 00 900 00") 

Bank of ( ommeroe 2,500 00 2,250 00 ( 

Mem. ^Charleston R.B... 4,875 00 656 '° °° 

MonndOity L. Ins. Co.,. 2,000 00 1,000 00 J 

Memphis <ias Light Co... 2,400 00 2,400 00>_ 

Planters Insurance Oo }0 OOJ 

Planters Insnranoe Co.,... 1,800 oo 1,020 00) 

Brownsville Say Dink,... 1.000 00 1,000 00) 

Memphis Gas Light Co.,.. 2,000 00 2,000 00 1,000 00 

First National Bank 2,500 00 3,125 00 2,000 00 

Memphis City B. B., 050 00 325 00 250 00 

Memphis City B. It., 1,000 00 500 00 400 00 

Lien Notes, 1,750 00 1,750 00 1,200 00 

Southern Life Ins. Co., .. 2,000 00 1,000 00 1,400 00 

Union Cot. Com. Assoc.,. 5,000 00 3,000 00 1,000 00 

Memphis City order, 10,000 00 7,500 00) 

City of Memphis 7.000 00 3,850 00 J 

Memphis City ft. B., 5,000 00 2,500 00 )_ 

Washington Ins. Co., 2,000 00 700 00 > 

lien on^raonal prop.,... 1,809 00 1,809 00 D34 50 



10,000 00 
2,500 00 



Total, $235,969 00 $157,531 50 $115,248 05 $115,248 05 

Cash in Company's principal office, 2.78(5 05 

Cash deposited in Bank, 48,300 13 

Interest accrued on collateral loans, 8,390 65 

Net premiums in course of collection, 40,375 87 

Bills receivable 200 00 

All other property belonging to the Company, 6,723 38 



Assets of the Company at, their actual value, $396,804 9< 



III. LIABILITIES. 

Losses reported and unadjusted, $16,202 00 

Losses resisted, l.ooo oo 

Total, $17,202 00 

Deduct re-insurance, v . . 1, 700 00 

Net amount of unpaid losses $15,502 00 

iJ. 'insurance on fire risks, one year or less,....*. $77,315 18 

Re-insnranoe on risks more than one year, 2,241 13 

Amount required to re-insure all outstanding risks, 79,556 ."<1 

Total liabilities, except capital stock, $95,058 31 

Capital stock 300,000 00 

Surplus beyond capital, 1,740 00 

Total liabilities including capital and surplus $396,804 97 



COMPANIES OF OTHER STATES. 209 

IV. INCOME DURING THE YEAE. 

Fire. Marine. 

Premiums received in cash, $273,334 24 $5,596 59 

Deduct re-insurance, rebate, abatements 

and return premiums, DC), TGI 70 

Actual cash premiums, $176,569 48 $5,596 69 $182, ICG 07 

From interest on bond and mortgage, 4,800 00 

From interest on loans and dividends on stocks and bonds, 4,255 31 



Actual cash income, $191,221 38 

V. EXPENDITURES DURING THE YEAH. 

Fire. Marine. 

Amount paid for losses, (including $2,- 

052 00 occurring in previous years),... $146,709 49 $2,553 99 

Deduct salvage &c 25,847 29 



Net amount paid for losses, $120,802 20 $2,553 99 $123,416 19 

Commissions or brokerage, 27,081 30 

Salaries and fees, 26,190 35 

Taxes, 7,330 08 



Actual cash expenditures, $184,023 92 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run, $8,067,172 00 $154,630 36 

Having more than one and not more than three 

years to run, 195,766 00 3,804 40 



$8,262,938 00 $158,434 70 

Premiums received since the organization of the Company, 794,205 00 

Losses paid since the organization of the Company, 336,388 18 

Stock owned by directors at date, 101,250 00 

Stock dividends declared, 60,000 00 

Loaned to officers and directors, 56,025 00 

Loaned to stockholders not officers 79.864 15 



Business in Connecticut in 1874. 

Fire risks taken, $67,251 00 

Premiums received on same, 1,419 04 

Losses paid, 2,175 28 

27 



210 



lll.'K WD FIliK AND MAKINK [NSUltANCK 



NATIONAL FIRE [NSUUANCE COMPANY. 

' ! I'. 

Commenced Business December, 1838. 

Bbnry T. Dbowns, President. Henby H. FTat.t,, Secretary. 

Attorney in Connecticut, A. P. Collins, NewBiitain. 



CAPITAL. 



Capita] actually paid np in cash. 



$200,1 l 



II. ASSETS. 

Heal estate owned b}' the Company unencumbered, $2,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 247,000 00 

Interest due and accrued on bond and mortgage loans. 4.701 07 



Stocks and Bonds owned hy the Company. 

Par Value. Market Value. 
U. S. Stoces : — 

United States 5-20's, $30,000 00 $34,735 02 



$34,73J5 02 



National Bank Commerce, 

Brooklyn Gas L. Co., 

Nassau Gas Light Co. 

Metropolitan Nat Bank.,. 
Mechanics Bk, Brooklyn . 
Brooklyn National Bank. . 

United States 5-20's, 

Del. <fc Hudson Canal Co. ' 
Del. & Hudson Canal Co., 

United States G per c 

United States, 5-20's 

Atlantic Dock Co., 

Kichmond County 

United Btates 5-20'a 

N. Y. A N. B. R. R., 

Manhattan ins. Co., 



Loans on 

Par Value. ] 

$600 00 

2,100 00 

1,050 00 

2,000 00 

L,500 00 

1,000 00 

1,000 00 

L5,000 00 

5,000 00 

600 00 

500 00 

200 00 

6 500 00 

l.ooo 00 

400 00 

3,000 00 



Collateral. 
Market Value. 
.-711 00 
4,830 00 > 
1,050 00 • 
2.700 00) 
2 700 00 
1,500 00) 
1,182 00) 
17,475 o<) 
5,825 oo 
700 00 
590 00) 

L'L'O 00) 

6,500 00 

4,720 oo 
:.:',() oo 



Amt. Loaned. 
$125 oo 

4,ooo oo 

•j. (loo 00 
5)00 00 

15,000 00 

5,000 00 

600 00 

700 00 

5,000 00 

•l.ooo 00 

400 00 

3,000 oo 



Total £14.450 <0 $51,293 00 $40,725 00 $40,725 00 



COMPANIES OK OTHER STATES. 211 

All other loans, $900 00 

Cash iu Company's principal office. 2, 215 42 

Gash deposited in Bank, 29,561 65 

Interest accrued on collateral loans 583 05 

Net premiums in course of collection, 7,000 00 

Bills receivable 8,158 69 

Accrued on open policies, 2/50 00 



Assets of the Company at their actual value, $377,830 50 



III. LIABILITIES. 

Losses reported and unadjusted, $2,500 00 

Losses resisted, 2,500 00 



Net amount of unpaid losses, $5,0(0 00 

Re-insurauce on fire risks, one year or less, $69,195 03 

Re-insurance on risks more than one year, 7,320 00 



Amount required to re-insure all outstanding risks, 76.515 (53 

Due and accrued for salaries, rent&c, 066 66 



Total liabilities except capital stock, ;....; u...w. $82,182 29 

Capital stock, ._ 200,000 00 

Surplus beyond capital, 95,648 21 

Total liabilities, including capital and surplus, $377,830 50 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, $178,598 58 

Deduct re -insurance, rebate, abatements and re- 
turn premiums, 15,377 64 



Actual cash premiums, $163,220 94 

Interest on bonds and mortgages, 12,541 34 

From interest on loans and dividends on stocks and bonds, 6,214 65 



Actual cash income, ,..,. $181,976 93 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, $51,043 62 

Deduct salvages &c, i ; 1,239 06 



Net amount paid for losses, $49,804 50 

Cash dividends, . ; 20,000 00 

Paid fire patrol and board of fire underwriters 1,123 83 

Commissions or brokerage. 21,805 4!) 

Salaries and fees, 14.391 59 

Taxes 5,811 51 

All other payments and expenses. 21,059 84 



Actual cash expenditures, , $133,496 82 



212 FIRK AND II I : I : AND MARINE INSURANCE 

VI. MISCELLANEOUS. 

liurnn. 
Bisks in foroe having no< more than < 

borun $20,128,71 891 26 

rid not more than three 

trstornn 700,820 00 7.o 

Having more than three years to rnn, 220,328 00 *,065 68 



$21,049 361 00 $1 19,460 14 

Premiums received since the organization of the Company 2,< 82 851 00 

Losses paid Binoe the Company organized 1,039, 179 00 

Cash dividends paid stockholders 786,( 56 00 

owned by the directors at date 47, 187 50 

Stock dividends declared, 50,000 00 

d to directors 15,700 00 

Loaned to stockholders, not officers 30,600 00 

Business in Connecticut in L874. 

Fire risks taken (no inland), $46,000 00 

Premiums received on same, 719 11 

Losses incurred 3,858 44 



NEW HAMPSHIRE FIRE INSURANCE COMPANY. 

Manchester, N. H. 

Commenced Business April. L870. 
E. A. Straw, President. John C. French, Secretary, 

Attorney in Connecticut, John G. North, New Haven. 



I. CAPITAL. 

Capital actually paid up in cash. $250,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due. $56,196 96 

Storks and Bondt owned by the Company. 

I\r Value. Market Value. 
Stats Stocks: — 

.' of New Hampshire, 6 per c. ... $10,000 00 $10,200 00 
M [pal Bonds: — 

City of Manchester. 6 per c, 41. on) 00 -3 1.000 00 

St. L mis City, 6 per c lo.ooo 00 9,300 00 

Citj of Z uiesville I >hio, B p ir c 10,000 00 LO,GO0 00 



COMPANIES OF OTHEK BTATKS. 218 

Municipal Bonds : — 

Par Value Market Value. 

City of Cleveland,Ohio, 7 per c, $10,000 oo $10,000 00 

" Chicago Ills. 7 per c 10,000 00 10,100 00 

'• Nashua New Hamp., 6 per c., 16,000 00 16,000 00 

1v.vu.koad Bonds: — 

O. C. A Newport. 6 per c 3,000 00 3,000 00 

" Tperc., 7.01)0 00 7,140 00 

Mich. Air Line, 1st mort.. 6 per c., 20,000 00 20,000 00 

Burlington & Mo., 8 per c 15,000 00 15,300 00 

" " 7 " 10.000 00 10,200 00 

Portland & Kennebec, per c, 5,000 00 4,600 00 

Passumpsic, (J per c 1 , 500 00 1,350 00 

Chicago Burl. & Qnincy. 7 per c,.... 14,000 00 14.140 00 

Jackson, Lmsing& Saginaw, 8 per c., 20,000 00 20,000 00 

Maine Central, (bonds gold) per c. , 10,000 00 9,200 00 

Cheshire, per c. 14,000 00 12,880 00 

Eastern. 6 per c, 10,000 00 9,200 00 

Miscellaneous : — 

Marion Co. Inda. Ct. Hs.. 8 per c.,.. 25,000 00 25.500 00 

Odd Fellows Bldg. Manch. 7 per c, 5,000 00 5,000 00 

Total, $266,500 00 $264,110 00 8264,110 00 



Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Burl. & Missouri E. E., 816. 500 00 $16,625 00 $14,000 00 

Mass. & Lawrence " 3.500 00 4.1)00 00 3,500 00 

Ainoskeag Nat. Bk 5,000 00 6,500 00 5,000 00 

Total, $25,000 00 $28,025 00 $22,500 00 $22,500 00 

Cash in Company's principal office, 1.056 59 

Cash deposited in Bank, 35.380 50 

Interest accrued on stocks, 4.445 00 

Interest accrued on collateral loans 1.000 00 

Net premiums in course of collection, 6,238 68 

All other property, salvages &c, 1,307 43 

Assets of the Company at their actual value, $392,235 16 



III. LIABILITIES. 

Losses adjusted and unpaid $8,268 00 

Losses reported and unadjusted, 3,680 00 

Losses resisted, 9,100 00 

Total, $21,048 00 

Deduct Salvages, 3,950 00 

Net amount of unpaid losses, $17,098 <><) 



214 FIKK AND PIKK AND MARINE INSURANCE 

Re-insnranoe on firs risks, one year or less $42,052 29 

Ete-insnranoe on >re than one year 82,771 00 



Amount required to i'e-insnre all outstanding risks, $74,823 29 

Cash dividends to stockholders remaining unpaid, 172 00 



Total liabilities except capital stock $92,093 29 

Capital si.> k 250,000 00 

Surplus beyond capital, 50,141 87 



Total liabilities, including capital and surplus $392,285 16 

IV. INCOME DUKING THE YEAB. 

Premiums received in cash, $143,741 50 

Deduct re-insurance, rebate, abatements and return 

premiums 11, 939 96 

Actual cash premiums, $131,801 54 

From interest on loans and dividends on stocks and bonds, 23,835 08 

From rents, and Agency, 117 50 



Actual cash income, $156,054 12 

V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $5,400 00 occur- 
ring in previous years.) $59,211 85 

Cash dividends 19,081 00 

Commissions or brokerage, 21,089 77 

Salaries and fees, 4,87)2 46 

Taxes, 3,924 09 

All other payments and expenses, 7,527 81 



Actual cash expenditures $115,686 98 



VI. MISCELLANEOUS. 



Premiums. 



llisks in force having not more than one year to 

run $10,868,222 00 $138,770 12 

Having more than one and not more than three 

years to run, 5,150,726 00 04,347 90 

Having more than three years to run, (561,000 00 12,978 10 



$16,679,948 00 $216,091 12 

Premiums received since the organization of the Company $407,887 50 

Losses paid since the Company organized 141,000 00 

Cash dividends paid stockholders 44.000 00 

Stock owned by directors at date, 83,000 00 

Loaned to officers and directors. 27,000 I fl 

Loaned to stockholders not officers 30,000 00 

B sineti in Connecticut in L874. 

Fire risks taken (no inland), $107,190 00 

Premiums reoeived on same 1,534 28 

No losses. 



COMPANIES OF OTIIKll STATES 



2 ! 5 



NEWPORT FIRE AND MARINE INSURANCE COMPANY 

Newport, R. I. 

Commenced Business, November, 1871. 

J. H. DsWolp, President. Resolved Waterman, Secretary. 

Attorney in Connecticut, A. M. Uurlburt, Hartford. 



I. CAPITAL. 



Capital actually paid up in cash. 



$200,000 00 



II. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value, 
Railroad Bonds : — 

Rensselaer & Saratoga R. R., $12,000 00 $12,720 00 

Bank Stocks : — 

Merchants National, ,.. 10,000 00 11,800 00 

Blackstone Canal National, 35,000 00 37,800 00 

American National, 15,000 00 15,750 00 

Commercial National, 10,000 00 10,700 00 

Mechanics National, 10,000 00 13,000 00 

National Bank of North America. . 15,000 00 18,000 00 

National Bank of Commerce. 10,000 00 11,850 00. 

Miscellaneous : — 

Delaware & Hudson Canal Co...... 20,000 00 23,400 00 

Delaware & Hudson Canal Co...... 15,000 00 15,900 00 

S. S. Buckner, City of Chicago,... 20,000 00 20,000 00 

What Cheer Corporation, 30,000 00 30,000 00 

Total, $202,000 00 #220,920 00 



$220,920 00 



Loans on Collateral. 

Par Market Amount 

Value. Value. Loaned. 

American Steamboat Co.,. $1,500 00 $2,130 00 $1,200 00 

American Screw Co., 1.500 00 8,250 00 7,375 00 

Prov. &Wor. R. R., 2.300 00 3,450 00 2,700 00 

American Screw Co. , . 300 00 1,650 00 1,500 00 

Providence Tool Co., 5,000 00 10,000 00 G, 000 00 

U. S. bonds, 1881, 2.000 00 2,340 00 1,700 00 

Total, $12,000 00 $27,820 00 $20,475 00 



$20,475 00 



216 MRE AND FIRE AND MARINE INSURANCE 

in Company's principal office 6 10 

leposited In Bank 

Entered accrued on Btooka 

Intel trilateral Loans 

Net Pre mi iii mis in course of collection 10,049 65 

Bills receivable 14.:;;<i 62 

All other property belonging to the Company 00 



of the Company at their actual valne $31 :.< 



III. LIABILITIES 

Losses reported and unadjusted. $882 50 

Losses resisted, 9,000 00 



Net amount of unpaid losses, 

Re-insurance on rire risks, one year or less $31,579 87 

He-insurance on risks more than one year, 15, 34* 

Re-insurance on unexpired marine risks 21,829 00 



Amount required to re-insure all outstanding risks , :>4 0< 



Total liabilities, except capital stock, $78,636 57 

Capital stock, 000 00 

Surplus beyond capital, :!.",. 4 It; 54 



Total liabilities, including capital and surplus $314,053 11 

IV. INCOME DURING THE YEAR. 

Fire. Marine. 

Premiums received in cash 893,170 54 $132,897 35 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 16,636 14 2G.479 99 



Actual cash premiums $76,543 40 $106,417 36 $182,960 76 

Bills and notes for unpaid premiums, . 13,570 62 

From interest on loans and dividends on stocks and bonds, 20,030 41 



Actual cash income. $2Q2,991 17 

V. EXPENDITURES DURING THE YEAR. 
Fire. Marine. 

Ain't paid for losses, (includ. | 

occurring in previous years.) 18 $90,487 03 

Deduct salvage ^;c 3,189 85 10,882 40 

Net amount paid for losses $35,312 63 $79,604 63 $114,917 2G 

Cash dividends. 41,-750 00 

Commissions or brokerage 17. 150 34 

Salari i ,; 3 00 

21 B8 

All other payments and expenses 

Actual cash expenditures $1!'1.4> 



COMPANIES OF OTHER STATES. 217 

VI. MISCELLANEOUS. 

Fire. Premiums, 

Bisks in force having not more than one year to run $4,975,042 00 $66,051 ">1 

Hiving more than one and not more than three 

years to run 854,485 00 13,335 12 

Having more than three years to run, 501,985 00 8,606 69 



$6,331,512 00 **7.!;: 

Marine. Prem: 

$526,532 00 $21,829 00 

Premiums received since the organization of the Company. 672,366 73 

Losses paid since the Company organized, 376,8G0 03 

Cash dividends paid stockholders. 90,500 00 

Stock owned by directors at date, 25,450 00 

Loaned to officers and directors 1,200 00 

Loaned to stockholders not officers, 2, 700 CO 

Business in Connecticut in 1874. 

Fire and marine risks taken. $330,550 00 

Premiums received on same 3.071 24 

Losses paid, 2, 046 73 



NIAGARA FIBE INSURANCE COMPANY. 

Sew York City 

Commenced Business August, 1850. 

Henhy A. Howe, President. Peteh Notman, Secretary. 

Attorney in Connecticut, C. C. Kimbaee, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $500,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, $11,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due 124,000 00 

Interest due on bond and mortgage loans, 2.974 00 

Value of the land mortgaged, 8150,000 00 

Buildings (insured for $152,250) 190,000 00 

$340,000 00 

28 



218 FIKK AND FIKK AND MARINE [NSURANCR 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. LND S; . . ; S tocks : — 

U, S. (i per c. bonds t 00 $165,550 00 

200,000 834,500 00 

u 6pero., currency bonds reg. 260,000 00 306,150 00 

•• 5-20's, bonds 186.1 oew ooup. 100,00 • I • 117,250 00 

Tennessee 6 per o 26.000 00 16,000 00 

Alabama 8 per o 10,000 00 6,000 00 

pal Bonds: — 

New York City, 7 per c si. 000 00 84,660 00 

Brooklyn " 7 per c, 5,000 00 5,800 00 

Jersey '« 7 per c 20,000 00 19,100 00 



21.100 00 10,000 00 13,000 00 
I 00 11,000 00 10.000 oo 



Total §842,000 00 $954,410 00 $954,410 DO 

Loans on Collateral. 

Par Value. Market Value. Am t. Loaned. 

Central R.E. N, J $200,000 00 $215,000 00 $150,000 00 

Del. L. & Western 11. R.,.) 

New Jersey Zinc Co., > 

Delaware & Hudson Co...... > 

Rensselaer & Sar. R. R. Co. > 

Delaware fc Hudson Co.,.. 7,000 00 8.100 00 6,300 00 

Central R. R.. N. J., 8,000 00 I 00 .",,400 00 

Chesapeake & Ohio bonds 

(value guaranteed), 03.000 00 50,000 00 50,000 00 

5-20's bonds, 2,000 00 2,300 00 1,500 00 

• per c., cur. bonds. 1,000 00 1,180 00 1,000 00 

Lorillard F. Ins. stock, . 1,000 00 1,000 00 000 00 

Commercial F. " " .. 500 00 500 00 300 00 

Mot. Gas Co., stock, 1,200 00 1,500 00 500 00 



Total, $314,600 00 $315,180 00 $238,600 00 $238,600 00 

Cash in the Company's principal office. 5,279 00 

Cash deposited in Bank. 11.533 00 

Interest accrued on stocks, 2,238 00 

Interest accrued on collateral loans, 5, 738,00 

Net premiums in course of collection, 101.275 00 

V- ;ets of the Company at their actual value $1,460,047 00 

III. LIABILITIES. 

Losses reported and unadjusted, $74,750 00 

i .resisted, 22.950 00 



Total, $97,700 00 

Deduct re-insurance, 2,600 00 

Net amount of unpaid losses $95,100 00 

Re-insurance on fire risks, one year or less * 00 

Re-insurance of risks more than one year 118,113 



Amount required tore-insure all outstanding risks, $438 391 00 

Cash dividends remaining unpaid, 32 oo 

Total liabilities, except capital stock $533,523 00 



COMPANIES OF OTHER STATES. 219 

Capital stock, $500,000 00 

Surplus beyond capital, 426,524 00 

Total liabilities, including capital and surplus. $1,460,047 00 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $959,271 00 

Deduct re-insurance, rebate, abatements and return 

premiums, 128,676 00 

Actual cash premiums, $830,595 00 

From interest on bonds and mortgages, 9,013 00 

From interest on loans and dividends on stocks and bonds, 63,177 00 

From all other sources, 2,448 00 



Actual cash income, $905,233 00 

V. EXPENDITURES DURING THE YEAR, 
Amount paid for losses, (including $69,900 00 occurring in pre- 
vious years, $333,098 00 

Deduct salvages, &c, 10,001 00 



Net amount paid for losses, $323,097 00 

Cash dividends, 50, 795 00 

Commissions or brokerage, 125,699 00 

Salaries and fees, 79,796 00 

Taxes, 14,330 00 

All other payments and expenses, 125, 723 00 

For losses on state bonds sold, agents' deficiency, &c, 11,702 00 



Actual cash expenditures, $731,142 00 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run, $56,477,792 00 $640,556 00 

Having more tnan one and not more than three 

yearstorun, 14,291,923 00 195,400 00 

Having more than three years to run, 2.663,011 00 39,800 00 



$73,432,726 00 $875,756 00 

Premiums received since the organization of the Company, $8,196,003 CO 

Losses paid since the organization of the Company. 4,613,572 00 

Cash dividends paid stockholders. 1,244,000 00 

Stock owned by directors at date 221,600 00 

Loaned to officers and directors, 162,500 00 

Loaned to stockholders not officers, 169,100 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland), $2,355,186 00 

Premiums received on same, 28,937 11 

Losses paid, 19,048 81 



220 MKK AM; FIRE AND MARINE I N ;-' l i 



NORTH l£RN NATIONAL FIRE INSURANCE 

COMPANY. 

Milwaukee, Wis. 

Commenced Business, July, 186U. 

Alexander Mitchell, President. Pbank H. Whepp, Secretary. 

Attorney in Connecticut, H. R. Hayden, Hartford. 



I CAPITAL. 
Capital actually paid up in cash, $< 

II. ASSETS. 
Loans on bond and mortgage, (first liens) not more than one 

year's interest due, $150,000 00 

Interest due and accrued on bond and .mortgage loans, 2,000 00 

Value of the lands mortgaged, $260,000 00 

Buildings (insured for $107,800 00) 155,000 00 

$424,000 00 

Stocks and Bonds owned by the Company. 

Far Value. Market Value. 

U. S« Stocks : — 

U. S. C's, 1881 |70,000OD 7 50 

" 5's, 1881, 88,000 00 99,990 00 

11 5-20's, 1865, 25,000 00 31 25 

" 5-20's, 1867, 17,000 00 20,740 00 

" U. S. Currency 6's, 100,000 00 117,625 00 

opal Bonds: — 

Milwaukee City, water. 150,000 00 150,000 00 

Railboad Bonds: — 

Mil. & St. Paul. 1st Mort 15.000 00 16,200 00 



Total $465,000 00 $520,573 75 $520,578 75 

in Company's principal office 7,899 42 

Cash deposited in Bank 102.214 48 

Interest accrued on stocks, 500 00 

Net premiums in course of collection, 52,972 85 

Bills receivable, not matured. 30,719 35 

All other property belonging to the Company 17,925 02 

»ets of the Company al their actual value $884,804 87 



COMPANIES OF OTHER STATES. 221 

III. LIABILITIES. 

Losses adjusted and unpaid, $2,987 58 

Losses reported and unadjusted, 47,469 36 

Losses resisted, 1 1 , (500 00 

Total, $62,056 94 

Deduct re-insuranee 3,000 00 



Net amount of unpaid losses, $59,056 94 

lie-insurance on fire risks, one year or less. $133,995 66 

lie-insurance on risks more than one year, 21.150 84 

Re-insurance on inland navigation risks, 5,386 70 



Amount required to re insure all outstanding risks, 100,533 20 



Total liabilities except capital stock, $219,590 14 

Capital stock, GOO, 000 00 

Surplus beyond capital, G5,214 73 



Total liabilities including capital and surplus $884,804 87 

IV. INCOME DURING THE YEAR. 

Fire. Inland. 

Premiums received in cash, $450,900 28 $214,258 71 

Deduct re-insurance, rebate, abatements 

and return premiums, 41,244 42 29,197 8G 



Actual cash premiums, $409,655 86 $185,060 85 $594,716 71 

Unpaid notes for premiums, 4,374 43 21,675 30 

From interest on bonds and mortgages, 2,754 90 

From interest on loans and dividends on stocks and bonds, 35,897 75 



Actual cash income, $633,369 36 

V. EXPENDITURES DURING THE YEAR. 

Fire. Inland. 

Amount paid for losses, (including $42,- 

480 41 occurring in previous years),. ..$192,753 G6 $149,529 96 

Deduct salvage &c 21.572 12 



Net amount paid for losses, $192,753 66 $127,957 84 $320,711 50 

Cash dividends, 30,000 00 

Commissions or brokerage 70, 065 90 

Salaries and fees, 32,319 29 

Taxes, 12.066 62 

All other payments and expenses, 31,922 77 



Actual cash expenditures, $497,080 08 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run, $15,312,607 00 $267,991 33 

Having more than one and not more than three 

years to run, 1,845,304 00 25,671 08 

Having more than three years to run, 607,525 00 '.K*2S 89 



$17,765,430 00 $303,491 30 



222 FIRE AND FIRE AND MA.1UKK [NSURANCE 

[uland. Premiums. 

$139,600 00 $10,733 40 

Premiums received since the organization of the Company, $1,761,763 44 

Losses paid since the Company organized, 984,700 3? 

Cash dividends paid stockholders 00 00 

Stock owned by directors at date, 353,600 00 

Stock dividends declared, 174,000 00 

Loaned to officers and directors, 4,000 00 

Business in Connecticut in 1874. 

Fire and inland risks taken, $460,210 00 

Premiums received on same, 10,820 J6 

Losses paid. 5,670 56 



OSWEGO AND ONONDAGA FIRE INSURANCE 

COMPANY. 

Phcenix, N. Y. 

Commenced Business, May, 1873. 

Payn Bigelow, President. Samuel Avery, Secretary. 

Attorney in Connecticut, Silas Chapman, Jr., Hartford. 



I. CAPITAL. 
Capital actually paid up in cash, $20 1,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, $148,050 00 

Interest due and accrued on bond and mortgage loans. 8,474 08 

Value of the lands mortgaged $191,861 00 

Buildings (insured.) 94,325 00 

$286,186 00 

Stock* and bonds owned by tht Company, 

Par Value. .Market Value. 
V . S. Stocks : — 

U. S. Ponds, $1,000 00 $1,160 00 

Springs National Bank B, 700 00 12,18 

Total $9,700 00 $13.380 00 $13,330 00 



COMPANIES OP OTHER STATES. 22o 

Loans on Collateral. 

Par Market Amount 

Value. Value. Loaned. 

Sweets Mfg. Co., $14,900 00 $14,900 00 $10,000 00 

First National Bank, 3,000 00 3,750 00 3,000 00 

First National Bank, 9,000 00 11,250 001 

Oswego & Syracuse E. R.,.. 5,000 00 5,000 00 1 

U. S. 5-20's, 5,000 00 5,900 00 j ' 

N. Y. State Bounty bonds, . 2,000 00 2,160 00J 



Total, $38,900 00 $42,960 00 $33,000 00 

Interest due and accrued on daily balance, 

Interest due and accrued on detached coupon, 

Iuterest on certificates of deposit, 

Certificates of deposit, 

Cash in Company's principal office, 

Cash deposited in Bank, 

Interest due and accrued on bal. of capital not included in above, 

Interest due and accrued on collateral loans, 

Net Premiums in course of collection, 

Assets of the Company at their actual value, $280,466 21 



III. LIABILITIES. 

Losses adjusted and unpaid, $1,688 67 

Losses reported and unadjusted. 2,425 00 



$33,000 00 


60 00 


306 


25 


291 


66 


5,000 00 


6,155 


52 


40,846 01 


1,455 


34 


1.815 


93 


21,681 


42 



Net amount of unpaid losses, $4,113 67 

Re-insurance on fire risks, one year or less, $57,691 45 

Re-insurance on risks more than one year, 13, 060 32 

Amount required to re-insure all outstanding risks, 70,751 77 



Total liabilities except capital stock, $74,865 44 

Capital stock, 200,000 00 

Surplus beyond capital 5, 600 77 



Total liabilities including capital and surplus, $280,466 21 



IV. INCOME DURING THE YEAR, 

Premiums received in cash, $152,999 94 

Deduct re-insurance, rebate, abatements and return 

premiums, 25,165 58 



Actual cash premiums, $127,834 36 

From interest on bonds and mortgages, 7,106 23 

From all other sources, 250 00 



Actual cash income, $135,190 59 



224 FIRE AND FIRK AND MA KINK INSURANCE 

v. EXPENDITUBES, 

Amount paid for losses, (including $7,102 98 oocnrring in pre- 
vious rears, | *71.h;;> i; 

Oommissiona or brokerage 21,7 

Balaries and fees 5,826 97 

Taxes 1,852 27 

All other payments and expena - Ll,8< 

Actual cash expenditures, (112.181 52 

VI. MISCELLANEOUS. 

Premium?. 
Kisks in force having not more than one year to 

run $6,270,539 74 $115,382 90 

Having more than one and not more than three 

years to run, 2.111.7s:; 21 83 7-1 

382,324 96 $133,4*30 -11 

Premiums received since the organization of the Company, 211,405 11 

Losses paid since the Company organized, 82.928 97 

Ke insurance, rebate and return premiums since the Company 

commenced business, 34,723 05 

Stock owned by the directors at date, 188,300 00 

Loaned to officers and directors, 40,000 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland) 8114.127 07 

Premiums received on same. 2,68 

Losses paid, 1,525 7<> 



COMPANIES OF OTHER STATES. 22") 



PENNSYLVANIA FIRE INSURANCE COMPANY. 

Philadelphia, Penn. 

Commenced Business April, 1825. 

John Devereux, President. W. G. Crowell, Secretary. 

Attorney in Connecticut, B. K. Allen, Hartford. 



I. CAPITAL. 
Capital actually paid up in cash. , $400,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered,, $60,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 462,257 00 

Interest due and accrued on bond and mortgage loans, 6,981 89 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
Bank Stocks : — 

Philadelphia National Bank, $13,400 00 23,450 00 

Municipal Bonds : — 

Philadelphia City Warrants $25,058 00 $25,058 00 

per c SO. (.00 00 32.250 00 

i( 6 per c.,... 6.000 00 5,400 0) 

St. Louis " (iperc,.,.. 25.00;) 00 23,750 00 

Pittsburg Water Works, Tperc... .. 50.000 00 50.875 00 

Pittsburg, Stanton Avenue Improve. 10.00) 00 10,175 CO 

Cincinnati City Loans, 6 per c, 12.000 00 12,420 00 

7 per a, 10,000 00 10,35)00 

7 30-100, 38,00000 40,470 00 

Railroad Stocks : — 

Phila. Wilmg. & Baltimore. 12,500 00 13,500 00 

" <; Loan, 30.000 00 30,450 00 

Pennsylvania R. R. loan, 11,000 00 11.385 00 

Philadelphia & Beading, 20. 000 00 2 1 , 200 00 

Camden & Amboy, 50,000 00 50,500 00 

29 



226 



VWiK AND FIRE AND MARINE INSURANCE 



Par Value Market Value. 
Ratlboad Stocks : — 

Phiadelphia A Brie $25,000 00 $23,250 00 

rth Pennsylvania 40,000 00 41,400 00 

Harriabnrg, Mt Joy. 20,000 00 19,000 00 

Lehigh Vllley, 30 00 

Elmira & Williamsporl 25,000 00 

Weal Jersey 10,000 00 10,350 00 

Pennsylvania 

United Canal & R. 1! 10,000 00 9,250 00 

Misoi : — 

American Steamship Co., 10,500 00 

Schuylkill Navigation 20,700 00 18,365 00 

Lehigh Coal & Navigation ■ .... 49,000 00 49,035 00 

Chesapeake & Delaware Canal 10,000 00 9.0 

Delaware Division Canal, 20,000 00 ] 

Phila. A Reading Coal & Iron Co.,... 20.000 00 18,800 00 

Manayunk Gas Co 1,000 00 00 00 

State of Delaware per c 20,000 00 20,800 00 

Total $685,658 00 $693,633 00 






igb Valley R. R. Co., 

Venn. R. R. Co 

Penn & New York R. R. 

Am. Steamship Co 

Union Pacific R. R 



Loans on Collateral. 

Par Value. Market VaL A mt. Loaned. 

$50,000 00 $60,750 00 $50,000 00 

50,000 00 53,120 00 45,000 00 

.-..ooo 00 5.200 00 2,500 00 

500 00 200 00^ 



1.000 00 






Total $106,500 00 $120,213 

Cash in Company's principal office, 

Cash deposited in Bank 

Interest accrued on collateral loans 

Net premiums in course of collection, 



1,000 00 



$98,51 



Assets of the Company at their actual valu( 



500 00 

2.772 21 
184,732 OS 

106 00 
55, i 

$1,563,989 03 



III. LIABILITIES, 

Losses adjusted and unpaid $26,18 i 00 

i »ses resisted 20,619 00 



Net amount of unpaid losses, 

Re-insurance on five risks, one year or less. 

l\ i usurance on risks more than one year 1.02,7 



Amount required to re -insure all outstanding risks, 

Reclaimable on perpetu 1 risks 






379,156 



Total liabilities, except capital stock $824,537 

Cipital stock 400,1 

Surplus beyond capital 339,4<" 

TotA liabilities including capital and surplus $1, 563, s»89 ( :; 



COMPANIES OF OTHER STATES. 227 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $741,707 08 

Deduct re-insurance, rebate, abatements, and return 

premiums, 64,371 58 



Actual cash premiums, $677,336 10 

Fx-om interest on bonds and mortgages, 27,735 42 

From interest on loans and dividends on stocks and bonds, 37,531 69 

From all other sources, 1,767 42 



Actual cash income, $744,370 63 



V. EXPENDITURES DURING THE YEAK. 

Amount paid for losses, (including $62,834 00 occur- 
ring in previous years), $322,793 52 

Deduct salvages &c, 159 04 



Net amount paid for losses, $322,634 48 

Commissions or brokerage, 94.759 15 

Salaries and fees, 79,461 59 

Taxes, 17,196 98 



A.ctual cash expenditures, $514,052 20 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year 

torun, ,. i $39,279,786 00 $658,973 49 

Having more than one and not more than three 

years to run, 5,542,638 00 43,500 21 

Having more than three years to run 4,913,217 00 59,218 31 

Perpetual risks in force, 15,237,618 00 401,802 31 



$64,973,259 00 $1,163,494 32 

Premiums received since the organization of the Company, 4,902,381 00 

Losses paid since the Company organized, 4,094,828 00 

Cash dividends paid stockholders...... 1,779,000 00 

Stock owned by directors at date......... 31,000 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland) $770,238. 00 

Premiums received on same, 12,485 33 

Lossespaid, 19,087 84 



228 F1K1-; AND FIRE AND MA RINK INSURANCE 



PEOPLES [NSURAN* Y. 

Coninie:. 

I£ Bahdaix P J. H. LlNDSLEV 9 

ney in < . Hartford. 



I. CAPITAL. 
Capital actually paid up in cash $200,000 00 

II. 

owned by the Company unencumbered *1\. 

Loans on bond and mortgag ..ore than one 

yea cine 151.9c 

Interest due and accrued on bond aud mortgage loans 16 00 

Value of land mortgaged $22 "00 

Buildings (Insured I - _ . 

00 

■ 

Par Value. <et Value, 

i improvement. $9,000 00 00 00 "0 00 

Tar Value Market Value. d. 



Orange & Newark H. 11. B, 00 

n oo) 

Manufacturers National Bk. 14.000 <X> 00 11,700 00 

Newark City Ice Co. , :>. J< N I 00 0. ">00 00 

' • - W0 00 

American Trust Co 

-.s Light Co 8,875 00 - 587 '» 00 

Newark City National Bank. 1,500 00 2,100 00 

Americ.n Tru-t (o 



COM PAN IKS OF OTHER STATES. 229 



$0,000 00 



Par Value. MarketValue. Am 1 ! Loaned. 

First National Bank $6,000 00 $7,500 00) 

Merchants National Bank, . 1,000 00 1,000 00) 

American Trust Co 5,000 00 5,250 00 4,000 00 

Manufacturers Nat. Bank, . 1. ooo ()() 1,000 00) j ()()0 00 

Newark City Ice Co. , 4, 700 00 5, 8 75 00) 

Essex Co. National Bank,... 5,000 00 0,250 00) 

American Trust Co., 5,000 00 5.250 00- 12,000 00 

Newark City Ice Co., 2,500 00 3.125 00 ) 

National State Bank,. 3,200 00 4,000 00 )_ 

First National Bank, 2,000 00 2,500 00) 

Harrison Township, 6,800 00 0,120 00 5,000 00 

New. & Irv. H. B. R., 8,000 00 8,000 00 5,000 00 

First National Bank, 4,000 00 5,000 00 3,000 00 

Merchants National Bank.. . 2,000 00 2,000 00 1,500 00 

American Trust Co., 4,000 00 4,200 00 3,500 00 



5,000 00 



Total, $98,975 00 $109,832 00 $82,000 00 $82,000 00 

Cash in Company's principal office, 1,274 08 

Cash deposited in bank. 39,491 54 

Interest accrued on collateral loans, 4,508 58 

Net premiums in course of collection, 18,439 51 

Bills receivable 13.G42 80 

All other property belonging to the Company, 1,500 00 



Assets of the Company at their actual Value, $399,195 83 

III. LIABILITIES. 

Losses adjusted and unpaid, $15,780 59 

Losses reported and unadjusted, 5,900 00 

Losses resisted, 1,800 00 



Net amount of unpaid losses, $23,480 59 

Re-insurance on fire risks, one year or less, $128,114 84 

Re-insurance on risks more than one year, 0,312 53 



Amount required to re-insure all outstanding risks, 134,427 37 



Total liabilities except capital stock, $157,913 90 

Capital stock, 200,000 00 

Surplus beyond capital, 41,281 87. 



Total liabilities, including capital and surplus, $399,195 

IV. INCOME DURING THE YEAR. 

Premiums received in cash $332,217 38 

Deduct re-insurance, rebate, abatements and return 

premiums, 33,744 09 



Actual cash premiums, $298 472 09 

From interest on bonds and mortgages, 9 914 08 

From interest on loans and dividends on stocks and bonds, 5.710 47 

From all other sources, 0.443 04 



Actual cashincome $320,540 28 



230 KIRE AND FIRE AND MA KINK INSURANCE 

V. EXPENDITUBES DUPING THE YKAl;. 
Amount paid fot Losses, (including •- -l'". v !.". 83 occur- 
ring in previous years), $168,099 67 

3,665 87 



\<t a mou n» paid for losses, $164,433 80 

Gash dividends, 28,000 00 

Certificates of profits redeemed in cash, 6,557 55 

Commissions or brokerage, 52,203 61 

Salaries and fees, 12,534 57 

Taxes, 8,683 89 

All other payments and expenses, 20,492 92 



Actual cash expenditures, $292,856 34 

VI. MISCELLANEOUS. 

Scrip dividends declared to date, $42,588 00 

Deduct amount redeemed in cash, forfeited &c, 21,574 00 



Balance of scrip dividends deliverable and outstanding. $21, 01-4 00 

Scrip deliverable, not actually delivered, 14,379 00 

Scrip dividends declared during the year, 8,870 00 

Marked off premiums, 1 7, 740 00 

Cash received on participating policies, 8,400 00 

Premiums. 
Risks in force having not more than one year 

to run, $17,622,100 00 $256,229 67 

Having more than one and not more than three 

yearstorun, 523,591 00 9.126 49 

Having more than three years to run, 126,880 00 2.263 82 

$18,272,571 00 $267,619 98 

Premiums received since the organization of the Company 914,330 84 

Losses paid since the organization of the Company, 360,942 67 

Cash dividends paid stockholders, 101,220 00 

Stock owned by directors at date, 110, 100 00 

Loaned to officers and directors, 76,500 Oo 

Loaned to stockholders not officers, 6, 800 00 

Ihitiness in Connecticut in 1 s 7 4 . 

Fire risks taken (no inland) $718,196 00 

Premiums received on same, 12,425 00 

Losses paid, 2, '.'77 85 



COMPANIES OF OTilKK STATK& 28 L 



PEOPLES FI11E INSURANCE COMPANY. 
Tbeston, N. J. 

Commenced Business February. 1865, 

Samuel S. Stbykeb, President. C. V. C. Murphy. Secretary. 

Attorney in Connecticut, W. H. Townsend, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, $195,350 00 

Interest due and accrued on bond and mortgage loans, 3,418 00 

Value of the land mortgaged $200,200 00 

Building (insured for $140,100), 268,300 00 



$408,500 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States 5-20 s, bonds, $50 000 00 $59,125 00 

State of New Jersey " 15,000 00 15.750 0Q 

Bank Stocks : — 

Mechanics' Nat. Bank Trenton, 7.500 00 9.450 00 

Municipal Bonds : — 

Elizabeth City, 10.000 00 9,400 00 

Jersey City, 25,000 00 25,000 00 

City of Toledo, 1,000 00 1,000 00 

PvAiL.no ad Bonds : — 

United It. R, & Can. Co.. N. J...... 40.000 00 51,600 00 

Central R. P., N. J., 10,000 00 10.750 00 

Pennsylvania P. B. Co., 20,000 00 21,200 00 

Dividend scrip of Penn. R, R., 10,000 00 10,550 00 



Total, $188,500 00 $213,825 00 $213,825 00 



232 FIRE AND FIRE AND MARINE INSURANCE 

Loan? on ( '<>iiiit< ral. 

Par Value. Market Value. Amt. Loaned. 

M ■ a a. X:'. Bant Tr m on $1,8 l • 00 | , . 

First National Bk\ " L,5 W 00 L875 I 



Total $3,300 00 $4,143 00 $3,500 00 $3,600 Oo 

All other loans, 1,000 00 

Cash deposited in Bank, 13,422 4o 

Interest accrued on collateral loans 01 25 

Net premiums in due course of collection, 11,700 06 



Assets of the Company at their actual value, $442,276 71 



III. LIABILITIES. 

Losses adjusted and unpaid $ :>.244 44 

Losses reported and unadjusted, 4,000 00 

Net amount of unpaid losses, £9,244 44 

Re-insurance on risks, one year or less, $65,210 13 

Re-insurance on risks more than one year 34,595 " - 

Amount required to re-insure all outstanding risks, 09,80o 71 

Due for salaries, printing &c, 125 00 



Total liabilities, except capital stock, $109,175 15 

Capital stock, 200,000 00 

Surplus beyond capital, 133,101 ~>6 



Total liabilities, including capital and surplus. $442,270 71 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $180,250 09 

Deduct re-insurance, rebate, abatements and return 

premiums, 13. 374 98 

Actual cash premiums, $106,875 11 

From interest on bonds and mortgages, 1 1,900 48 

From interest on loans and dividends on stocks and bonds 13,582 79 

From all other sources, 879 03 



Actual cash income, 6103.237 41 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $4,269 95 occurring in pre- 
vious years) $59,616 72 

Cash dividends , 16,000 00 

( oissions or brokerage 317 50 

Salaries and fees .".!'t. r > 0y 

4,001 56 

All other payments and expenses, 69 40 

Actual cash expenditures $123, 1 



COMPANIES OF OTHER STATKS. 

IV. MISCELLANEOUS. 

Premium*. 

Risks in force having not more than one year to 

run $9,574,401 00 $141,418 00 

Having more than one and not more than three 

years to run 953,980 00 26,432 66 

Having more than three years to run. 1,500,030 00 28,256 82 



$12,028 411 00 $196,107 48 

Premiums received since the organization of the Company. 496,645 90 

Losses paid since the Company organized, 137,540 71 

Cash dividends paid stockholders, 47,000 00 

Stock owned by the directors at date, 115,000 00 

Loaned to stockholders not officers, 3,500 00 

i BusiiLess in Connecticut in 1874. 

Fire risks taken (no inland), $327,971 70 

Premiums received on same, 4,606 75 

Losses paid, 2,824 94 



PHENIX INSURANCE COMPANY. 

Brooklyn, N. Y. 

Commenced Business, September, 1853. 

Stephen Crowell, President. Philander Shaw, Secretary. 

Attorney in Co?inecticut, E. B. Goodseel, Bridgeport. 






I. CAPITAL. 

Capital actually paid up in cash $1,000,000 00 

II. ASSETS. 

Real Estate owned by the Company unencumbered, $225,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 319,125 00 

Loans on bond and mortgage, (first liens) more than one year's 

interest due, 15,050 CO 

Interest accrued on bond and mortgage loans, 8,527 00 

Value of land mortgaged, $291,650 00 

Value of buildings mort, (ins. for $362,200,).. 443,750 00 

$735,400 00 

30 



234 FIRE AND FIRE AND MARINE INSURANCE 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

United States 5-20's, 18G2, $59,000 00 $67,555 00 

United States 6-20's, 1864, 7,000 00 8,137 50 

United States 5-20's, 1865, 47,000 00 55,460 00 

United States 5-20's, 1865, 20,000 00 24,200 00 

United States 5-20's, 1867, 235,200 00 286,944 00 

United States coupons, 1881, 25,000 00 30,531 25 

United States reg. 1881, 155,000 00 189.293 75 

United States 10-40's, reg 77,000 00 88,550 00 

United States currency O's 50,000 00 59,000 00 

Tennessee, 45,000 00 26,550 00 

North Carolina. 10,000 00 2,400 00 

South Carolina, 20,000 00 6,000 00 

Virginia, deferred certificates 14,772 33 1,773 28 

AlabamaS's, 10,000 00 5,000 00 

Mississippi state warrants, ,..., 20,000 00 16,311 40 

Municipal Bonds: — 

Kings County, 32.000 00 32,000 00 

Bank Stocks : — 

Commercial Bank, 6,000 00 6,000 00 

Merchants National, 1,000 00 1,170 00 

Metropolitan National, 50,000 00 67,024 75 

American Exchange, 20, 000 00 22, 800 00 

Fourth National, 25,000 00 24,367 50 

National Bank of the Republic, ... . 10,000 00 10,475 00 

Central National, 20,000 00 20,509 25 

National Shoe and Leather 10.000 00 15,500 00 

Railroad Bonds : — 

Houston, Texas, 3.000 00 3,000 00 

Miscellaneous : — 

Nassau Gas Light Co. certificate,... 17,000 00 17,000 00 

Nassau Gas Light Co. shares, 20,000 00 26,000 00 

New York Mutual Gas Light Co., . . 30,000 00 30,400 00 

Peoples Gas Light Co., 47,000 00 47.000 00 

Union Ferry Co., 6,500 00 8,450 00 

Total, $1,092,472 33 $1,199,402 68 $1,199,402 68 



Loans on Collateral. 

Par Value. Market Value. AmtLoaned. 

Montauk Insurance Co.,.. $1,000 00 $2,000 00"] 

Mechanics Fire Ins. Co., 500 00 625 00 I 

Mechanics Bank, 2,000 00 3,400 00 j » 6 ' 000 °° 

Nat. S. & Leather Bank,. 800 00 1,240 00 J 

N. Y. Econom. Print Co., 1,000 00 1,700 00 1,000 00 

Manhattan Fire Ins. Co.. 7.000 00 7,700 00 5,500 00 



COMPANIES OF OTHER STATES. 



235 



Union Ferry Co., 

Manhattan Company 

Nat. Mec. Bank'g Assoc... 
Brooklyn Fire Ins. Co.,... 

Relief Fire Ins. Co. , 

Niagara Fire Ins. Co , 

Clinton Fire Ins. Co 

Brooklyn City 

United States 5-20's 

Manhattan Fire Ins. Co., 

Union Trust Co, 

Nat. Shoe & Leather Bk., 
St. Nicholas Nat. Bank, . . 

Lamar Fire Ids. Co., 

Comin* rcial Fire Ins. Co., 
Firemans Trust Ins. Co., . 
Market National Bank., .. 
Peoples Gas Light Co..... 

National Bank of Com 

National Park Bank, 

Long Island Bank. 

Montauk Fire Ins. Co.,... 
Standard Fire Ins. Co.,... 
Montauk Fire Ins Co. , . . . . 

Commercial Bank, 

Broadway Railroad Co.. . 

Union Ferry Co. , 

Mechanics Bank, 

Mechanics Nat. Bank, 

Mechanics Nat. Bank, 

American Exchange Bank 
Nat. Bank of Commerce, 

U. S. 5-20's, 1867, 

U. S. 5-20's, 18G8, 

Kings County, 

Home Insurance Co. 

Hamilton Fire Ins. Co. , . . 

Peoples Gas Light Co 

American Express Co 

Kings County, 

Brooklyn City R, R. Co., 



Par Value. 

$2,000 00 
500 00 
1,000 00 
2,550 00 
2,000 00 
1,250 00 
1,400 00 
1,000 00 
1,000 00 

5,000 oo 

13*000 00 
3,300 00 
4,200 00 
5,000 00 
1,000 00 
500 00 
1,500 00 
15,000 00 
1,400 00 
500 00 
2,000 00 
1,000 00 
1,500 00 
2,400 00 
2,500 00 
1,100 00 
700 00 
4,150 00 
2,000 00 
600 00 
700 00 
1,000 00 
800 00 
200 00 
5,000 00 
800 00 
750 00 
5.000 00 
10,000 00 
24,000 00 
5,090 00 



Market Value. Am t Loaned. 
$2,600 00"] 
720 00 

1,300 00 I 

5,100 00 j 

2,000 00 }> $15,000 00 

1,287 50 I 

2,100 00 

1.000 00 

1,283 00J 

5,500 00 5,000 00 
14,950 00 "I 

5.115 00 

I^IO 00 > 25 ' 000 °° 



I 
5,000 00 j 

1,250 00 

550 00 > 

1,875 00) 

15,000 00 

1,659 00 

610 00 

2,600 00 >_ 

2,000 00 > 

1,650 00 



4,800 00 



500 00 

2,000 00 

13,150 00 

1,200 00 

500 00 

2,500 00 
1,200 00 

6,000 00 

700 00 
4,000 00 
1,000 00 

1,550 00 

1,000 00 
4,000 00 
2,000 00 

7,000 00 

20,000 00 
6,000 00 

Total, $146,690 00 $172,792 50 $130,800 00 

Cash in Company's principal office 

Cash deposited in Bank 

Interest accrued on stocks, 

Interest accrued on collateral loans 

Net Premiums in course of collection, 

Bills receivable, 

All other property belonging to the Company, 



2,500 00 - 

i.ioo oo) 

910 00 
7,055 00 
2,060 00 
798 00 -j 
798 00 - 
1,185 00) 
976 00> 
244 00) 
5,000 00 
840 00> 
1,312 50) 
5,000 00 > 
6,000 00) 
24.000 00 
11.452 50 



$130,800 00 

619 18 

158,235 92 

4,054 15 

2,544 21 

29,367 11 

29,665 63 

57,947 57 



Assets of the Company at their actual value, $2,180,338 45 



FIRE AND FIRE AND MARINE INSURANCE 

[II. LIABILITIES. 

adjusted and unpaid $4,501 '.'2 

: and unadjusted 41,282 (2 

resisted, 8,400 00 



Net amount of unpaid losses $54,183 94 

Re-insurance on Are risks, one year or less $443,600 17 

Be-insuranee <>n risks more than one year, 128,976 L2 

urance on inland navigation risks, 9.2 ! 7 ."■:; 

Re-insurance on unexpired marine risks 6,225 .".<! 



Amount required to re-insure all outstanding risks 588,( 

Due and accrued for s 1,883 •'!■"> 



Total liabilities, except capital stock, $64 1.110 25 

Capital stock, 1, ()()(),( 

Surplus beyond capital, :,:•■; 222 i 



Total liabilities, including capital and surplus, $2, 180,1 



IV. INCOME DURING THE YEAR. 

Fire. Marine. 

Premiums received in cash $1,418,852 71) $391,341 53 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 135,139 02 130,308 60 

Actual ca-h premiums $1,283,713 77 $261,032 93 $1,544,746 70 

Bills and notes for unpaid premiums. . 29,665 63 

From interest on bond and mortgage 22,690 08 

From interest on loans and dividends on stocks and bonds, ... . 730 36 

From all other sources, 12, 752 66 

Actual cash income. $1,630,920 40 



V. EXPENDITURES DURING THE YEAR. 

Fire. Marine. 

Am't paid for Losses, (includ. $183,871 17 
occurring in previous years,) $485,232 58 $319,344 34 

Deduct salvage Ac, 77.077 57 



Net amount paid for losses $485,232 58 $241,666 77 $726,899 35 

Cash dividends lo i. coo I 

( tmmissions or brokerage -' !l s I 

Salari &c 123,390 70 

26,51 

Ail other payments and expenses (19,912 l'7 



Aotual cash expenditures $1,302,563 8 



COMPANIES OF OTHER STATES. 237 

VI. MISCELLANEOUS. 

Premium*. 

Risks in force having not more than one year to 

run, .' #80.900,716 00 $887,200 34 

Having more than one and not more than three 

years to run, 14,032,335 00 145.234 65 

Having more than three years to run, 4,203,340 00 58,721 72 



$105,142,421 00 $1,091,150 71 

Premiums received since the oi-ganization of the Company, 18,976,224 14 

Losses paid since the organization of the Company, J 0.5 75, 241 0G 

Cash dividends paid stockholders, 1,314.000 00 

Stock owned by directors at date, 211,400 00 

Loaned to officers and directors, 90,875 00 

Loaned to stockholders not officers, '. 25,550 00 

Business in Connecticut in 1874. 

Fire risks taken, $1,846,525 00 

Premiums received on same, 25,599 92 

Losses paid 11,398 98 



KOVIDEXCE WASHINGTON INSURANCE COMPANY. 

PROVIDENCE, R. I. 

Commenced Business A. D. 1799. 
Warren S. Green, Secretary. 

Attorney in Connecticut, W. E. Baker, Hartford. 



I. CAPITAL. 
Capital actually paid up in cash, , $200,000 00 

II. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
IIailroad Bonds : — 

N. Y., Providence & Boston, $10,000 00 $10,000 00 

Miscellaneous : — 

Delaware & Hudson Canal Co., 25,000 00 25,500 00 

S. B. Buekner 1st mortgage bonds... 25,000 00 25,000 00 

Total. $60,000 00 $60,500 00 $60,500 00 



238 FIRE AM) PiRE AM) MARINE INSURANCE 

Invested in Participation Account of R.I. Hospital Trust Co., $58 500 00 

City <>f Providence Notes 120,036 98 

c.ish in Company's principal office 17 90 

Cash dep teited in Bank 23, 1: 

Interest due and accrued ou stocks, 2 4J 

Net premiums in course of collection, «> 17*; 18 

Bills receivable 125 83 

Assets of the Company at their actual value, $269,037 51 



III. LIABILITIES. 

Losses in process of adjustment, - 108 01 

Re-insurance on fire risks, one year or less, $37,455 43 

Re-insurance on risks more than one year, 13,940 93 



Amount required to re-insure all outstanding risks. 

Due and accrued for salaries, rent &c. , 

All other demands against the Company 



Total liabilities except capital stock, 

Capital stock, 

Surplus beyond capital. 



51,406 36 


800 00 


500 00 


153,010 37 


200,000 00 


16,027 14 



Total liabilities, including capital and surplus, §209,037 51 



IV. INCOME DURING THE YEAR. 

Premiums received in cash $92,484 80 

Deduct re-insurance, rebate, abatements and re- 
turn premiums, 8,042 Gl 

Actual cash premiums $84,442 1? 

From interest on loans and dividends on stocks and bonds, 12.727 41 

From all other sources, 193 C7 



Actual cash income. $97,303 27 



V. EXPENDITURES DUEING THE YEAR. 
Amount paid forlosses. (including $8,266 92 occurring 

in previous years,) $34,226 40 

Deduct salvages &c. , 1,681 06 



Net amount paid for losses , $32,645 4o 

Cash dividends, 30.(i()0 00 

( lommissions or brokerage 10,841 08 

Salaries and fees, 15,862 92 

3,035 19 

Actual cash expenditures $92,986 19 



COMPANIES OF OTHER STATES. 239 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year 

to run, $ 5,869,346 00 $75,275 41 

Having more than one and not more than three 

years to run, 828,362 00 12,028 99 

Having more than three years to run, 469,320 00 8,981 61 

$7,167,028 00 $96,286 01 

Stock owned by the directors at date, 34,095 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland), $277,281 00 

Premiums received on same 4,613 02 

Losses paid, 3.867 50 



REPUBLIC FIRE INSURANCE COMPANY. 

New York City. 

Commenced Business April, 1852. 

Robert S. Hone, President, Duncan F. Curry, Secretary. 

A ttorney in Connecticut, Judah Frisbie, New Haven. 



I. CAPITAL. 

Capital actually paid up in cash, $300,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, $62,500 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 195,900 00 

Interest accrued on bond and mortgage loans, 1.628 72 

Value of the land mortgaged. $382,200 00 

Buildings (insured for $16,300 00) 42.300 00 



$424,500 00 



Stocks and Bonds owned by the, Company. 

Par Value. Market Value. 
U. S. Stocks : — 

United States 5-20's, reg. 1865, $20,000 00 $23,600 00 

" 5-20's, '• 1867, 25,000 00 29,5(52 50 

•' 10-40's, reg 20,000 00 23,000 00 

' ; " currency sixes, 25,000 00 29,375 00 



240 FIRE AND I'n:i: AND MARINE INSURANCE 

Par Valae Market Value 

1) \NK BtOCXS : — 

National Bank of Commerce, $30,000 00 $30,000 00 

Municipal Bonds : — 

New York City 7 per c, 40,000 00 1 1.1 00 

. STork County 7 per o 10,000 00 41; 400 00 

Miscellaneous : — 

Delaware <$ Hudson Canal Co., 15,000 00 15,650 00 

New York Produce Exchange. 200 00 800 00 



Total, s2i:».200 co s-J 10.787 50 $240,787 50 



Loans on Collateral. 
Par Value. Market Value. Amt. Loaned. 
Nat, Bank of Commerce, $1, 700 00 $2,040 00 $500 00 

Cash in Company's principal office, 

Cash deposited in Bank, 

Interest accrued on stocks, 

Interest accrued on collateral loans, 

Net premiums in course of collection, 

Bills receivable. 

All other property, salvages &c, 



Assets of the Company at their actual value, 



00,00 


L,47G 






30 


2,355 


01 


o 


83 


10,684 


50 


750 00 


2,200 00 


$519,474 


CI 



III. LIABILITIES. 

Losses reported and un adj listed, $15,5 15 57 

Losses resisted, 13,512 50 



Total, $29,028 07 

Deduct Salvages. 9.150 00 



Net amount of unpaid losses, $19,878 07 

Be-iusurance on fire risks, one year or less, $70,080 08 

Be-insurance on risks, more than one year, 16,061 03 



Amount required to re-insure all outstanding risks. $95,141 11 

Interest due and declared, remaining unpaid, 1,093 00 

Cash dividends to stockholders remaining unpaid, 521 00 



Total liabilities except capital stock, $116,633 18 

Capital stock 300,000 00 

Surplus beyond capital, 102,841 40 

Total liabilities, including capital and surplus $519,474 04 



IV. INCOME DUBING THE YEAR. 

Premiums roceived in cash $205,362 42 

Deduct re-insurance, rebate, abatements and return 

pre rniu ins 21,286 59 

Actual cash premiums $184,075 83 



COMPANIES OF OTHER STATES. 241 

From interest on bonds and mortgages, $13,280 4 t 

From interest on loins and dividends on stocks and bonds, 18,700 02 

From rents, 15,444 53 



Ac tual cash income, $231, 56C 82 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $79, 971 13 occur- 
ring in previous years.) $106,197 20 

Deduct salvages etc., 2 97G 09 



Net amount paid for losses, $103,221 17 

Cash dividends 33,00<< 00 

Commissions or brokerage, 28,G4G 48 

Salaries and fees, 20,035 02 

Taxes, 0,783 51 

All other payments and expenses, 39,001 29 



Actual cash expenditures, $290,747 50 

VI. MISCELLANEOUS. 

Scrip dividends declared during the year, $1,840 00 

Estimated earned premiums for year, 3,945 97 

Cash received for premium on participating policies, 4,222 95 



Premiums. 



Risks in force having not more than one year to 

run, $10,858,073 00 $155,027 22 

Having more than one and not more than three 

years to run. 2,750,784 00 27,082 84 

Having more than three years to run, 134,914 00 1,934 47 



$19,749,771 00 $184,044 53 

Premiums received since the organization of the Company 4,748,257 07 

Losses paid since the Company organized, 2,900,003 72 

Cash dividends paid stockholders, 409,089 35 

Stock owned by directors at date, 140,200 00 

Loaned to officers and directors, 149,000 00 

Loaned to stockholders not officers, , 500 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland), $745,195 00 

Premiums received on same, 10,581 74 

Losses paid, , 9,822 00 

31 



242 FIRE AND FIRE AND MARINE INSURANCE 



KIDGEWOOD [NSUUANCE COMPANY. 

Brooklyn, N. Y. 

Commenced Business March, 1873. 
William K. Lothbop, President. William A. Scott. Secretary. 

Attorney in Connecticut. C. M. Webster, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first lions) not more than one 

year's interest due $11 4,000 00 

Interest due and accrued on bond and mortgage loans, 2 8(58 50 

Value of the land mortgaged, $181,500 00 

Buildings (insured for $109,000) 180,000 00 

$317,500 00 
Stocks and Bonds owned by the Company. 

Par Value. Market Value 

!'. s. Stocks:— 
United States reg. 5 per c, 10-40,... $100,000 00 $114,625 00 

Bank Stocks : — 

National Bank of Commerce. 10,000 00 11,850 00 

Municipal Bonds: — 

Brooklyn City Water, 20,000 00 K) 00 

Railroad Bonds : — 
N. Y. k Harlem 7 per c, coupon,... 5,000 00 5,50 

Second Avenue convertible 5,000 0:) 4,250 00 

Miscellaneous : — 

West. U. Telg. Co.. 7 per c, coup.., 10,000 00 10.000 00 

Total, $150,000 00 $166,225 00 8160,225 00 



COMPANIES OF OTHER STATES. 243 

Loans on Collateral '. 

Par Value. Market Value. Am t Loaned. 

N. Y. Guar. Indem. Co., $2,000 00 $1,800 00 >_ ^ 9 ( _ ()() Q() 

German American Bank, 1,000 00 1)00 00 ) ' 

U. P. K. 11.. sinking fund,... 1,000 00 790 00) 

Tennessee, 1,000 00 580 00> ' 

Metropolitan Nat. Bank, 300 00 400 00 800 00 



Total, $5,300 00 $4,470 00 #3,800 00 $3,800 00 

Cash in the Company's principal office, 897 89 

Cash deposited in Bank, 5, 651 75 

Interest accrued on stocks, 400 00 

Interest accrued on collateral loans, 88 66 

Net premiums in course of collection. 12,358 57 

All other property belonging to I he Company, 1 , 000 00 

Assets of the Company at their actual value, $307,285 46 

III. LIABILITIES. 

Losses unadjusted, $150 00 

Re-insurance on fire risks, one year or less, $45,716 02 

Re-insurance of risks more than one year, 3,391 49 

Re-insurance on inland navigation risks, 265 02 



Amount required to re-insure ail outstanding risks, 49,372 53 

Total liabilities, except capital stock, $49,522 53 

Capital stock, 200,000 00 

Surplus bej-ond capital, » 57, 762 93 

Total liabilities, including capital and surplus $307,285 46 

IV. INCOME DURING THE YEAR. 

Fire. Marine. 

Premiums received in cash, $113,032 13 $3,784 73 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 11,075 14 199 70 



Actual cash premiums, $101,956 99 $3,585 03 $105,542 02 

From interest on bonds and mortgages, .., 7.656 04 

From interest on loans and dividends on stocks and bonds (5,607 66 

From all other sources 580 30 



Actual cash income, $120,386 02 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $600 10 occurring in pre- 
vious years.) $19,091 29 

Cash dividends, 20,000 00 

Commissions or brokerage, 14,668 78 

Salaries and fees, 16,916 85 

Taxes, 996 S7 

All other payments and expenses, 10,888 95 

ActuaFcash expenditures, $82,562 74 



LM! 



FIRE AND FIRE AM) MARINE INSURANCE 



VI. Mi 

having not more than one year to 
run - 

Having more than one and not more than three 
years to rnn 160,700 00 

Having more than three years to run 85,150 <>(> 



,544,561 00 
ine. 

Premiums received since the organization of the Company, 

Losses paid since the organization of the Company 

( ' ish dividends paid stockholders 

Stock owned by directors at date 

Loaned to officers and directors 

Loaned to stockholders not officers 



Prein 

. I 60 

2,47 
1,8 

Premiums. 

$473 00 
209,01 
24,* 

!'•». nod 00 

45,500 <"i 

1,000 00 

9,000 00 



Business in Connecticut in l>, V. 

Fire risks taken (no inland), 

Premiums received on same, 

Losses paid, 



210 00 

384 90 
110 10 



ROCHESTER GERMAN INSURANCE COMPANY. 

ROCHESTER, X. Y. 

Commenced Business, February. 1872. 

Louis Ernst, President. Rudolph Vat, Secretary. 

Attorney in Connecticut, C. M. Webster, Hartford. 



I CAPITAL. 
Capital actually paid up in cash, (200,000 00 

II. ASSETS. 
Loans on bond and mortgage, (first liens) not more than one 

year's interest due, #96,695 00 

Interest due and accrued on bond and mortgage loans, 1,210 78 

Value of the lands mortgaged, $218*895 00 

Buildings (insured for $118,576 00) 153,975 00 

ra,87o oo 



COMPANIES OF OTHER STATES. 245 

Stocks and Bonds oicned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

U. S. 10-40's, reg., $75,000 00 $86,062 5Q 

11 5's, new, 15,000 00 17,062 50 

New York state, 25,000 00 26,812 50 

Municipal Bonds: — 

Rochester City, 20,000 00 20,000 00 

Total, $135,000 00 $119,937 50 

Cash iu Company's principal office, 

Cash deposited in Bank. 

Interest accrued on stocks, 

Net premiums in course of collection, 

Assets of the Company at their actual value, $312,887 15 



III. LIABILITIES. 

Losses adjusted and unpaid, $1,369 85 

Losses reported and unadjusted, 2,677 00 

Losses resisted, 2, 500 00 

Total, $6,516 85 

Deduct salvage claims, 2,500 00 



$149,937 


50 


1.480 


33 


57,909 


52 


1,734 


38 


3,969 


64 



Net amount of unpaid losses, : $4,046 85 

Be-insurance on fire risks, one year or less. $66,957 64 

Re-insurance on risks more than one year, 4.788 13 

Re-insurance on inland navigation risks, 3, 846 25 



Amount required to re insure all outstanding risks, 75,592 02 



Total liabilities except capital stock, .*.... $79,638 87 

Capital stock, 200.000 00 

Surplus beyond capital, 33,218 28 

Total liabilities including capital and surplus $312,887 15 



IV. INCOME DURING THE YEAR, 

Fire. Inland. 

Premiums received in cash, $163,919 44 $8,177 50 

Deduct re-insurance, rebate, abatements 

and return premiums, 18,480 15 485 00 



Actual cash premiums, $145,469 29 $7,692 50 $153,161 79 

From interest on bonds and mortgages, 6,127 74 

From interest on loans and dividends on stocks and bonds, 8,989 90 



Actual cash income, * $168,579 48 



246 FIKK AM) FIRE AND MARINE INSURANCE 

V. EXPENDITURES DUBING THE STEAK. 

Fire Inland. 

Amount paid for losses, (including \ 

occurring in previous years) $56,155 12 $1,20 

Deduct salvage &o 166 25 



Net amount paid for losses, -7 $1,208 30 £57.l!'7 17 

25,000 <!<) 

Commissions <>r brokerage 22 I 

Salaries and fees, :_> ,;; 

Taxes 2.834 29 

All other payments and expenses, 6,737 -I 

Actual cash expenditures, $119 Col 05 



VI. MISCELLANEOUS. 
Kisks in force having not more than one year to 



Premiums. 
$10,127,396 00 $133,915 :".» 



Having nioro than one and not more than three 

years to run, 784,659 00 -3 17 



$10,912,055 00 $141,798 16 

Inland. Premiums. 

$467,800 00 $7,692 50 

Premiums received since the organization of the Company, 275,369 26 

Losses paid since the Company organized, 74,702 •:<» 

Cash dividends paid stockholders, 7.000 00 

Stock owned by directors at date 45,550 00 

Stock dividends declared, 25,000 00 

Loaned to officers and directors, 13,800 00 

Loaned to stockholders not officers, 20, ll 

• Business in Connecticut in 1874. 

Fire and inland risks taken, $124,482 00 

Premiums received on same 1,979 19 

No Los ms. 



COMPANIES OF OTHEK STAl'ES. 



247 



ROGER WILLIAMS INSURANCE COMPANY. 

Providence, R. I. 
Commenced Business. August, 1848. 
J. W. Davenport. President. War. H. Faedbicks, Secretin* 

Attorney in Connecticut, Ralph Gillett, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash. $200,000 00 



II. ASSETS. 

Stocks and bonds oioned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

U. S. 5-20's, 1864, $20,000 00 $23,200 00 

11 5-20's, 1807, 1,000 00 1,216 25 

" 5-20's, 2,000 00 2,380 00 

Railroad Bonds : — 

Michigan Central. 4,000 00 4,000 00 

Railroad Stocks : — 

New York, Prov. & Boston, 10,000 00 13,200 00 

Bank Stocks : — 

American National Bank, 15,000 00 15,750 00 

Atlantic, 5,000 00 5,000 00 

National Bank of Commerce, 25,000 00 25,000 00 

National Bank of North America,. 5,000 00 6,200 00 

Blackstone Canal National, 15,000 00 16.200 00 

Commercial National 18,000 00 18,000 00 

Fourth National, 5,000 00 6, 250 00 

Globe National, 15,000 00 15,000 00 

Manufacturers National, 28,000 00 33.740 00 

Westminster, 5,000 00 5,000 00 

Miscellaneous : — 

Providence Gas Co., 10,000 00 18,500 00 

Total, $183,000 00 $209,536 25 



$200,536 25 



FIRE AND FIKK AND MA KINK INSURANCE 

ral. 

Par Mai U.'t .nit 

Value. Value. ,..-<i. 

City of Proridenoe $2,000 00 $2,000 00 

Nat Bank of N. America,... 00 620 00} 

Mechanics National Dank.. 500 00 650 I 

Promissory note, mortgage, 3 740 00 

Mechanics National Bank 400 00 20 00 456 12 






: g 12 

City of Providence loans 

Cash in Company".-, principal office 10. | 

deposited in Bank 

Interest due and accrued on stocks 1 n; r,r, 

Interest due and accrued on collateral loans B01 29 

Net Premiums in course of collection. 

Bills receivable 4.5.' 



Assets of the Company at their actual value $351 . 



III. LIABILITIES 

Losses adjusted and unpaid. 

Losses reported and unadjusted. 7,295 94 



Net amount of unpaid losses $10,02 

Ee-insurance on fire risks, one year or less, $75,712 (34 

Ke-insurance on risks more than one year 12, 325 86 

Re-insurance on unexpired marine risks 17,433 09 



Amount required to re-insure all outstanding risks 105,471 o9 

Cash dividends remaining unpaid, 376 00 



Total liabilities except capital stock, $11.">,873 34 

Capital stock. 200,000 00 

Surplus beyond capital 35,3!»1 67 



Total liabilities including capital and surplus, $351,265 01 



IV. INCOME DURING- THE YEAR. 

Fire. Marine. 

Premiums received in cash $179,142 45 $95,158 7>'< 

insurance, rebate, abatements 
and return premiums 11,371 07 5,00€ 

Actual cash premiums $167,771 38 $90,147 07 $257,918 4.". 

id notes for premiums 4.553 90 

Prom interest on loans and dividends on stocks and bonds l\\*>:i .">". 

From all other sources 1,241 H'> 



Actual cash income $278,013 16 



COMPANIES OF OTHER STATES. 



249 



V. EXPENDITURES DURING THE YEAR. 

Fire. Marine. 



Amount paid for losses, (including $1 

802 28 occurring in previous years), , 

Deduct salvage &c, 



$63,951 78 



r 2,802 28 
1,451 30 



Net amount paid for losses, $03,951 78 $71,350 95 

Cash dividends, , 

Commissions or brokerage, , 

Salaries and fees, , 

Taxes 



Actual cash expenditures, 



$135,302 70 

40.738 00 

30,754 20 

12,544 17 

2,291 05 

$227,030 12 



VI. MISCELLANEOUS. 

Risks in force having not more than one year to 

run, , 

Having more than one and not more than three 



years to run, 

Having more than three years to run, 



5,751,614 00 

494,510 00 
957,435 00 



$10,203,505 00 
Marine. 
$530,007 00 

Premiums received since the organization of the Company, 

Losses paid since the Company organized, . 

Cash dividends paid stockholders, 

Stock owned by the directors at date, 

Loaned to officers and directors, 

Loaned to stockholders not officers, 

Stock dividends declared 



Premiums. 
$151,425 29 

7,419 04 
12,145 83 



$170,990 10 

Premiums. 

$17,433 09 

2,354,595 09 

1,730.233 17 

200,000 00 

81,850 00 

4,240 00 

1,450 12 

50,000 00 



Business in Connecticut in 1874. 

Fire and marine risks taken, $914,214 00 

Premiums received on same, 11,103 39 

Losses paid, 6,985 17 

32 



250 KIRK AND FIRK AND MARINE INSURANCE 

SAFEGUARD FIRE INSURANCE! COMPANY, 

New Vokk City. 

Business January, 1872. 

Thomas 0. Dobemus, President. Jakes Yebeancb, Secretary. 

Attorney in Connecticut^ Jupah Fbibble, New Hayen. 



I. CAPITAL. 

Capital actually paid up in cash $£00,000 00 

II. ASSETS. 

Loans ou bond and mortgage, (first liens) not more than one 

year's interest due. $11,000 00 

Value of land mortgaged. $11,000 00 

Buildings (insured for $12,000), 15,000 00 



$26,000 00 



Stocks and Bonds oicncd by the Company. 

Par Value. Market Value. 

U. S. Stocks : — 

U. S. Currency G's, reg $150,000 00 $177,000 00 

U. S. 5-20's, 1867, SO, 000 00 59,125 00 

Municipal Bonds : — 

New York City 7 per c, consol,, . 10,000 00 10,385 00 

New York City 7 per c, Sin. Fund 10,000 00 10.4(14 98 

New York City 7 per c, assess 5,000 00 5,144 11 

New York City 7 per c, assess.,... 20,000 00 20,711 10 



Total *215,o<io 00 $282,830 14 ^282,830 14 

Loans on Collateral. 

Par Value. Market Value. Aint. Loaned. 

American Exchange N Bank $3,000 00 $3,450 00 $1,500 00 

Chatham Nationsl Bank,.... 2,150 00 2,838 00 2,000 00 

N. Y. Nat. Exchange Bank. 800 00 680 00 600 00 

U. S. registered, 1881, 1,000 00 1,180 00) 

U. S. coupons, 1881 100 00 L22 OOJ 

New York Gas Light Co 2,000 00 2,800 00 2,400 00 

a Light Co., 1,100 00 1,100 00 . 85 I 00 

•nxuranceCo.,... 6,450 00 9,675 00 6,90 

Alabama 8 per c, 1892, 17,000 00 8,500 00 10,000 00 

Total $38,6 $30,345 00 $25,350 00 $25,350 00 



1,100 00 



COMPANIES OF OTHKU STATES. 251 

Gash in Company's principal office, $4,564 38 

Cash deposited in bank 12,0s.") 77 

Interest due and accrued on stocks 525 ()<> 

Interest accrued on collateral loans. 723 74 

Net premiums in course of collection. 11,450 04 



Assets of the Company at their actual value, $348,529 67 



in. LIABILITIES. 
Losses reported and unadjusted 2,575 00 



Net amount of unpaid losses, $2,575 00 

Re-insurance on fire risks, one year or less, $53,399 70 

Re-insurance on inland navigation risks, 1,958 G7 

Amount required to re-insure all outstanding risks 55,358 40 



Total liabilities except capital stock, $57,933 46 

Capital stock, 200,000 00 

Surplus beyond capital. 90, 596 21 



Total liabilities, including capital and surplus, $348,529 6< 



IV. INCOME DURING THE YEAR. 

Fire. Inland. 

Premiums received in cash, $146,125 15 $4,423 10 

Deduct re-insurance, rebate, abatements 

and return premiums, 9,918 58 35 70 

Actual cash premiums, $136,176 57 $4,387 40 $140,503 97 

From interest on bonds and mortgages 329 10 

From interest on loans and dividends on stocks and bonds, 16,091 78 

From all other sources. 3,357 80 

Actual cash income $100,342 65 



V. EXPENDITURES DURING THE YEAR. 

Fire. Inland. 

Amount paid for losses, (including $6,- 

403 57 occurring in previous years), ... $04,222 53 $1,820 30 
Deduct salvage, 2,780 40 

Net amount paid for losses $01,442 07 $1,820 30 $03,208 43 

Cash dividends, 20,000 00 

Commissions or brokerage, 17,908 27 

Salaries and fees, 15, 840 19 

Taxes, 430 36 

All other payments and expenses, 13,981 38 



Actual cash expenditures. $131,428 03 



252 FIRE AND FIRE AND MARINE INSURANCE 

VI. MISCELLANEOUS. 

Premiums. 
Risks in foro« having not more than one year 

to run, $12,100,680 00 $105,271 18 

Inland. Premiums. 

$101,875 00 - 917 36 

Premiums received since the organization of the Company 888,458 4<> 

Losses paid since the organization of the Company, 186,495 00 

Cash dividends paid stockholders fl I 

Stock owned by directors at date, 1)3,800 00 

Loaned to officers and directors .V.' 

Loaned to stockholders not officers, 11,000 00 



Business in Connecticut in 1874. 

Fire and inland risks taken $69,003 00 

Premiums received on same, 1,160 02 

Losses paid, > 44 



ST. NICHOLAS FIRE INSURANCE COMPANY. 

New York City. 

Commenced Business July, 1852. 

William Winslow, President. Jacob DuBois, Secretary. 

Attorney in Connecticut, Gardner Morse, New Haven. 



I. CAPITAL. 
Capital actually paid up in cash, $150,000 <"> 

II. ASSETS. 

Real estate owned by the Company unencumbered^ $25*000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 52*311 56 

Interest due and accrued on bond and mortgage loans, 1,41)3 34 

Value of the land mortgaged $85,500 00 

Buildings (insured for $46.000), 05. 500 00 

$151,000 no 



COMPANIES OF OTHKK STATES. 253 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. Stocks : — 

IT. S. 10-40's, registered 8120,000 00 $ 138,000 00 

Municipal Boxds : — 

New York City 50.000 00 50,500 00 



Total, $170,000 00 $188,500 00 $188,500 00 

Cash in Company's principal office 400 16 

Cash deposited in Bank, 0,590 12 

Interest accreted on stocks, 615 72 

Net premiums in due course of collection, 10,800 00 

All other property belonging to the Company, 3,301 20 



Assets of the Company at their actul value, $202,012 10 

III. LIABILITIES. 

Losses reported and unadjusted. 5,250 00 

Losses resisted 2.850 00 



Net amount of unpaid losses. $8, 100 00 

Be-insuranee on risks, one year or less, $68,193 71 

Be-insuvance on risks more than one year 1,314 87 

Amount required to re-insure all outstanding risks, 69,508 58 



Total liabilities, except capital stock, $77,608 58 

Capital stock, 150,000 00 

Surplus beyond capital, 64,403 58 



Total liabilities, including capital and surplus, $292,012 10 

IT. INCOME DUBING THE YEAB. 

Premiums received in cash, $171,069 02 

Deduct re-insurance, rebate, abatements and return 

premiums. 5,095 58 



Actual cash premiums, $165,973 44 

From interest on bonds and mortgages, 4.497 50 

From interest on loans and dividends on stocks and bonds 7.466 95 



Actual cash income. $177,937 89 



V. EXPENDITURES DUBING THE YEAB. 

Amount paid for losses, (including $8,600 00 occurring in pre- 
vious years), $57,354 88 

Cash dividends, , 16,500 00 

Commissions or brokerage, 23.553 o2 

Salaries and fees, 16,940 00 

Taxes, 9^15 qq 

All other payments and expenses, 10.261 10 



Actual cash expenditures, 1 $127,024 96 



254 FIRE AM) FIRE AND MARINE INSURANCE 

VI. MISCELLANEOUS. 

Premiums. 

Risks in force Laving not more than one year 

torun sii.s27.7vT (li) $136,387 12 

Saving more than one and not more than three 

yearsto run. 284,312 00) ., .,. ;J ( ., ( 

Having more than three years to run 32,494 <><>) 



$15,1 14,527 CO $139,622 11 

Premiums received since the organization of the Company. 1,91 1,524 !H 

Losses paid since the Company organized, 1,124,090 89 

Cash dividends paid stockholders, 181,600 00 

Stock owned by directors at date, 71,625 00 

Loaned to officers and directors, 12.000 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland) $3< 9,700 00 

Premiums received on same, 3, 7S2 65 

Lossespaid, 4,4C4 71 



bT. PAUL FIRE AND MARINE INSURANCE COMPANY. 

St. Paul, Minnesota. 

Commenced Business May, 1865. 

J. C. Bure-axx. President. C. H. Bigelow, Secretary. 

Attorney in Connecticut, B. R. Allen, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash. £100.000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered £103,794 14 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due. 104.700 50 

Interest due and accrued on bond and mortgage loans 4,016 23 

Value of the land mortgaged $164 500 00 

Bnildings (insured for 875,000 00) 120.000 00 

Total. $274,500 00 



COMPANIES OF OTJIEli STATES. 



255 



Slocks and Bonds owned by the Company. 

Par Value. Market Value. 

Municipal Bonds : — 

St. Paul City, $500 00 $500 00 

Minneapolis City, 1,500 00 1,500 00 

Stillwarer City, 10,000 00 10,000 00 

MankatoCity, 5,000 00 3,900 00 

Town of Detroit, 4,200 00 4,200 00 

County of Cass, 7,400 00 7,400 00 

County of Aitken, 3,200 00 3,200 00 

County of Jackson, 1,400 00 1,400 00 

County of Pine, 1,800 00 1,800 00 

School Disk, Otter Tail County.,. 1,000 00 1,000 00 

School District, St. Cloud, 100 00 100 00 

Railroad Stocks: — 

St. Paul & S. C. R. R 30,000 00 30,000 00 

Bank Stocks : — 

First National Bank, St. Paul,.... 20,000 00 20,000 00 

First National Bank, St. Peter,... 1,500 00 1,800 00 

Miscellaneous : — 

St. P. Warehouse & E.Co., stocks 5,(500 00 5, GOO 00 

St. P. Warehouse & E.Co., bonds 8,000 O0 8,000 00 

Total, $101,200 00 $106,400 00 



$100,400 00 



First Nat. Bank, St. Paul, . 
Second Nat. Bank, •' 
Merchants Nat. Bk, " 
Marine Nat. Bank, i; 
Savings Bank, " 

First Nat. Bank, St. Peter, 
First Nat. Bank, Red Wing 
First Nat. Bank, Stillwater, 
First Nat. Bank, Appleton, 
Lumber.Nat. Bk,Stillwater 
State Nat. Bk, Minneapolis 
Citizens Nat Bank Mankato 
St. Paul&S. C. R, R...... 

St. Paul&S. C. R. R., 

St. Paul&S. C. R. R., 

St. Paul &S. C. R. R., 

St. Paul, S., & T. F. R. R. 
St. Paul, S , & T. F. R. R. 

Minn. Valley R, R., 

St. Croix R. R,, & Imp. Co 
.St. Paul Harvester Works, 
St. Paul Brick Mfg. Co.,... 
St. Paul Manufacturing Co 
St. Croix Boom Corporat. , . 



Loans on 

Par Value. 

$74,500 00 

22,500 00 

11,000 00 
5,000 00 
3,750 00 
3,000 00 
4,500 00 

22,500 00 
2,500 00 
5,000 00 
1,500 00 
5,000 00 

76,000 00 
4,000 00 
191,400 00 
6,500 00 
7,000 00 
5,000 00 
5,000 00 

11,000 00 

42,000 00 

500 00 

900 00 

7,700 00 



Collateral. 
Market Val. 
$96,850 00 

16,250 00 

13,200 00 
5,000 00 
3,750 00 
3,600 00 
5,625 00 

27,000 00 
3,000 00 
5,750 00 
1,800 00 
6,000 00 

76,000 00 
4,000 00 

95,700 00 
3,250 00 
5,950 00 
4,250 00 
5,000 00 
6,600 00 

52,375 00 
400 00 
675 00 

11,550 00 



Arat. Loaned. 

$71,985 00 

12,880 00 

11,288 00 

945 00 

1,315 00 

3,000 00 

3,535 00 

22,000 00 

2,000 00 

3,500 00 

1.399 00 
2,944 00 

58,528 31 

3.400 00 
63,467 80 

2.500 00 

5,000 00 

3,500 00 

2,000 00 

3,756 00 

40,065 72 

280 00 

380 00 

5,000 00 



KIRK AND KIRK AND MARINE INSURANCE 

Par Value. Market Value. Ami Loaned. 

■ I 00 

Americ 00 5 00 200 00 

St ill v 7,500 00 4,500 00 3,000 00 

1,000 

iltural Ass 00 470 

St. Paul W. A Eleyator 00 300 I 

Bt Paul Boree l:. R., 8,000 00 7,2 »,< 00 

J City 150 150 00 

sse 'ity 810 310 

DuluthCity 00 32S 

Cottonwood County '00 _ 100 

Wing County 187 1-7 50 125 00 

Grant County, 418 00 41> K) 00 

Murray County 1.500 00 1,500 00 1,200 00 

Lyons County 1. GOO (to 1,0 1..". 

Otter Tail County, 500 00 .'.00 00 300 00 

Ramsey County 1,000 00 1,000 504 00 

Aitken County 00 ;.oo 00 400 00 



Total |542,815 50 $478,975 50 $341,55* 52 f LI, 658 53 

Cash deposited in Bank «7 41 

Interest due and accrued on stocks, 3,792 01 

Interest accrued on collateral loans, 11,82 

Net premiums in course of collection, 129 14 

Bills receivable 

All other property belonging to the Company 24 11 



Assets of the Company at their actual value, $808,146 5. 



III. LIABILITIES. 

Losses adjusted and unpaid $2,797 70 

Losses reported and unadjusted 18,183 19 

Losses resisted 3,263 00 

Net amount of unpaid losses, >.•_ i.i'i: 1 . •*'.' 

Re-insurance on fire risks, one year or less $168,195 59 

Re-insurance on risks more than one year 79,932 39 

Re-insurance on inland navigation risks 3.088 B7 

Amount required to re-insure all outstanding risks 251,2 

Total liabilities, except capital stock 8275.460 74 

Capital stock 400.0 

Surplus beyond capital 132,4 

Total liabilities including capital and surplus $808,146 52 



COMPANIES OF OTHKIl STATES. 



IV. INCOME DURING THE YEAR 



Fire. Inland. 

Premiums received in cash $487,579 T>G $121,418 40 

Deduct re-insurance, rebate, al 

ments and return premiums, 52.017 42 21,078 24 



Actual cash premiums $435,532 14 $100,340 22 $535,872 36 

Bills and notes for unpaid premiums, . 3,8.0 70 

From interest on bonds and mortgages 12,015 67 

From interest on loans and dividends on stocks and bonds, ... . 45,027 88 

From all other sources, 7,678 73 



Actual cash income, $600,594 64 

V. EXPENDITURES DURING THE YEAR. 

Fire. Inland. 

Am't paid for losses, (includ. $43,275 98 

occurring in previous years.) $236,519 31 $73,956 71 

Deduct salvage etc., 631 95 4,036 77 



Net amount paid for losses, $235,887 36 $69,919 94 $305,807 30 

Cash dividends, 48,000 00 

Commissions or brokerage. 86.84S 85 

Salaries, fees, &c., 23.710 00 

Taxes, 12,125 94 

Ail other payments and expenses. 25,970 45 



Actual cash expenditures, $502,462 54 



VI. MISCELLANEOUS. 



Premium?. 



Risks in force having not more than one year to 

run, $18,568,007 00 $364,802 02 

Having more than one and not more than three 

years to run, 4,599.006 00 70,176 87 

Having more than three years to run, 1,827,535 00 34,694 36 



$24,994,548 00 $469,673 25 

Inland. Premiums. 

$228,550 00 $6,177 75 

Premiums received since the organization of the Company, 1,820,179 44 

Losses paid since the organization of the Company, 1.101,352 68 

Cash dividends paid stockholders, 124.000 00 

Stock owned by directors at date, 286,500 00 

Loaned to officers and directors, 233,841 85 

Loaned to stockholders not officers, 207,218 85 

Business in Connecticut in 1874. 

Fire risks taken, $139,851 00 

Premiums received on same. 2,812 87 

Losses paid 2,000 00 

33 



258 FIRK AND !'li;i: AND MARINE JNSURAN 

•hoi: and leather insurance company. 

BOBT< 

ranuary, . 
John C. Abbott, President. B . Secretary. 

Attorney > n Connecticut, W. <.. Smith, Waterbury. 



I. CAPITAL. 

Capital actually paid up in cash. $300,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due. 80,000 00 

Interest accrued on bond and mortgage loans. 1,075 00 

Value of land mortgaged. n 00 

Value of buildings mort. (ins. for $20,500,)... 30.000 00 



00 00 



Stocks and Bonds owned by the Company. 

Par Valne. Market Value. 

U. S. Stocks: — 

United States, reg. 5-20's July 1865,.. $50,000 00 $58,500 00 

Bank Stocks : — 

Shawmut National, Boston, 25,300 00 31,625 00 

Republic, " " 25,000 00 32,250 M0 

Central, " " 5,000 00 5,350 00 

Hamilton. " " 20,000 00 25,800 00 

Second. •' " 10,000 00 15,500 00 

Atlantic, " " 3,100 00 4,495 00 

Tremont, " " 11,700 00 1 !.: 

Merchants, " " 6,200 00 8,7' 

National Bank of Redemption, 8,136 00 

Blackstone National. 16,700 00 23,54^ 

Atlas National, 4.700 00 5.73-4 00 

IfUNICHPAL Bonds: — 

Cambridge City, (J per c 40,000 00 30.500 00 

Providence " 5 per c, gold 25,000 00 23,250 00 

Somervillo, " 6£ per 21,500 00 21,500 00 

Railroad Bonds : — 

Boston A: Albany, 7 per c. 25,000 00 26,625 00 

Eastern, Cperc, 20.000 00 15.000 00 



Total $314,600 00 $360,093 00 $360,093 00 



COMPANIES OF OTHBK STATKB. 259 

Loans on Collateral: 

Par Market Amount 

Value. Value. Loaned. 

Shawmut National Bank, ....$15,000 00 $18,750 00 $15,000 00 
First National Bank, 7,500 00 15,750 00 13,000 00 



Total, $22,500 00 $34,500 00 $28,000 00 $28,000 00 

All other loans, 10,000 00 

Cash in Company's principal office, 477 11 

Cash deposited in Bank, 14,070 35 

Interest due and accrued on stocks, 2,680 42 

Interest accrued on collateral loans, 758 33 

Net premiums in course of collection, 20,175 72 

Bills receivable 3,843 25 



Assets of the Company at their actual value, $471,182 18 



III. LIABILITIES. 

Losses in process of adjustment, $0,100 00 

Re-insurance on fire risks, one year or less, $01,607 98 

Re-insurance on risks more than one year, 32,670 53 

Re-insurance on unexpired marine risks, 614 48 



Amount required to re-insure all outstanding risks, 103,802 0!) 



Total liabilities except capital stock, $100,002 00 

Capital stock, 300,000 00 

Surplus beyond capital, 61,180 10 



Total liabilities, including capital and surplus, $471,182 18 

IV. INCOME DURING THE YEAR. 

. Fire. Marina 

Premiums received in cash, $160,218 01 $33,476 62 

Deduct re-insurance, rebate, abate- 
ments and return premiums, 15,743 03 7,050 17 



Actual cash premiums, $153,505 88 $26,426 45 $170,032 33 

From interest on bonds and mortgages, 1.125 00 

From interest on loans and dividends on stocks and bonds, 24,203 15 



Actual cash income,.. $205,350 48 

V. EXPENDITURES DURING THE YEAR. 

Fire Marine 

Amount paid for losses, $43,925 85 $6,130 47 $50,065 32 

Cash dividends, 30.000 00 

Commissions or brokerage, 10. 142 10 

Salaries and fees, 13,160 25 

Taxes 3,562 04 

All other payments and expenses, 0,800 39 



Actual cash expenditures, $125,731 09 



260 KIBE AND FIRE AND MAUINK INSURANCE 

VI. MISCELLANEOUS. 

Premiums, 
in force having not more than one 

(o run, 123,215 97 

II iving in >re th in one and aol more than three 

years to rim, 906,114 00 16,949 12 

Hiving more than three years to run, 1,592,027 00 27,8 



$10 317,988 00 $167,771 U 

Marine Premiums. 

$284,412 00 614 48 

Premiams received since the organization of the Company 299,578 66 

Losses paid since the Company organized, 374 !>1 

Cash dividends paid stockholders 30,000 00 

Stock owned by the directors at date, 86,400 00 

Loaned to officers and directors, 15,000 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland), $92,000 00 

Premiums received on same 1,334 '.'I 

No losses. 



SPRINGFIELD EIRE AND MARINE INSURANCE 
COMPANY. 

Springfield, Mass. 

Commenced Business. 1851. 

Dwioht R. Smith, President* Sanford J. Hall, Secretary. 

Attorney in Connecticut, W. E. Baker, Hartford. 



1. CAPITAL. 
Capital actually paid np in cash 1=500,000 00 

II. ASSETS. 

Ileal estate owned by the Company unencumbered $100,000 <><> 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 811,283 -7 

Interest accrued on bond and mortgage loans 8,709 1<> 

Value of the land mortgaged $705,000 00 

Buildings (insured for $155,400 00) 861.500 00 

$1,066,500 00 



COMPANIES OF OTHER STATES. 



261 



Stocks and Bonds 

pal Bonds : — 
Chariest own (J per c, water 

Railroad Bonds : — 
Kome & Watertown, 1st mort., — 
New York & Harlem 1st mort., .... 
Morris & Essex, 1st mort., 

Railroad Stocks : — 

Boston & Albany 

Boston & Maine. 

Boston & Providence, 

Connecticut River, 

Worcester & Nashua, 

Michigan Central, 

New York. N. H. & Hartford, 

N. Y r . Cen. & Hudson River, 

New York & Harlem, 

Bank Stocks : — 

Agawam National. Springfield, 
John Hancock National, " 
Chicopee National, " 

Pynehon National, " 

Second National, '* 

Third National, <; 

Ware National, Ware 

First National, Northampton, 

Monson National, Monson, 

Merchants National. Boston, 

Nat. Bank of Commerce, " 
Atlas National, " 

Howard National, " 

Webster National, " 

Boylston National, " 

Elliot National, " 

Nat. Bank of Commerce, N. York, 



oicned by the Company. 

Par Value. Market Value. 

$10,000 W '$10,000 00 



1,700 00 

10,000 00 

8,000 00 

08,000 00 
15,000 00 

20,000 00 
50.000 00 
5.000 00 
20,800 00 
70,000 00 
30,000 00 
10,000 00 

10,000 00 

5,000 00 

10,400 00 

6,700 00 

1,400 00 

15,000 00 

10,000 00 

3,400 00 

1,000 00 

10,000 00 

10,000 00 

9,000 00 

10,000 00 

10,000 00 

8,500 00 

10,000 00 

5,000 00 



1,700 00 

10,800 00 

8,G40 00 

00,440 00 
16,500 00 

29,000 00 
GO. 500 00 
0,250 00 
17,056 00 
91,000 00 
30,000 00 
12,500 00 

14,500 00 

6,400 00 

16,610 00 

10,720 00 

2,450 00 

22,500 00 

12,500 00 

4,250 00 

1,100 00 

14,100 00 

12,600 00 

10,080 00 

11,000 00 

11,000 00 

13,175 00 

12,100 00 

5,900 00 



Total, $453,900 00 $572,001 00 $572,001 00 



Loans on Collateral. 
Par Value. Market Value. 

Lake E.,Wash & St.L. R. R $2,000 00 $1,600 00) 

Toledo & Illinois R. R 1,000 00 800 00> 

Michigan Central R. R...... 1,500 00 1,230 00> v 

Union Pacific R. R., 1,000 00 800 00) 

Policy Char. O. L. Ins. Co., 4,000 00 4,000 00 

Third Nat. Bk., Springfield 12.500 00 18,750 00 

N. Y.. N. H. &. H. R. R.,.. 5,000 00 6,500 00 

" " ; ' .. 2,000 00 2,600 00 

First Nat. Bank, Hartford,. 1,200 00 1.500 00 > 

New Britain National Bank. 1,700 00 1,700 00) 

Salisbury Mills. Salisbury., 1,900 00 1,710 00 



Amt. Loaned. 
$1,500 00 

1,700 00 

1,732 97 

15,435 54 

4,550 00 

2,000 00 

2,600 00 
1.625 00 



262 F1KE ami FIUE AND MARINE INSURANCE 

Pat Value. Market Value. Ain't Loaned. 

il B. l:. R. f »,0 : l $8,1 

Wason Mfg. Co., Bpr'field,. 1,900 00 

ink, " oo :..i'.". I 00 4,000 00 

Nat Bank. '• 2,00< I 2,276 

an Nat Bank, " 2,000 00 2,90 l 00 2,27a 

Conn. River K. B 1,000 00 1,000 00 6 50 

hi Co., 2,000 00 2,000 00 1,950 00 

ro., coupon 2,000 00 2,860 00 2, \ CO 

\ York, 0.000 00 ) 00 2,000 00 

bury Mills, Salisbury,. 900 00 I 00 750 00 

B ink, Sp'field, 2,000 00 00 1,600 

Chicopee Nat. Bank. " 800 00 1,280 00 1,140 00 

Third Nat Bank. " 500 00 750 00 4 7.", 00 

Second Nat Bk, Cleveland, 1,100 00 1,375 00 1,0,: 

Agawam Nat'Bank, S'field, 1,000 00 1.450 00 1,050 00 

KaugatuckB. K 1,000 00 1,100 00 950 00 

Springfield Gas L. Co 2.400 00 ■» 00"| 

Glasgow Co., So. Had. Falls 000 00 900 00 | 

Agawam Nat Bank, S'field, 300 00 435 00 > 10.225 00 

American Express Co.. 0,200 00 3,844 00 j 

Westfield Gas Light Co./... 3,500 00 3,500 00J 

New Britain Gas L. Co 1,000 00 1.000 00 900 00 

Massasoit Paper Mfg. Co.,. 7,500 00 71 0.000 00 

sasoit Paper Mfg. Co., . 7.500 00 9,375 00 K) 00 

Massasoit Paper Mfg Co... 24,000 00 31,125 00 25,000 00 

Boston & Albany B. B 3,000 00 3,990 00) QQ 

Michigan Central B. B...... 1,300 00 1,000 00) 



Total, 8128,500 00 $148,0G5 00 $113,215 01 $=113,215 01 

Loan to City of SpringOeld 10.000 00 

Cash in Company's principal office, 

Cash deposited in Bank. 198. 21 

Interest accrued on stocks, 70 00 

Interest accrued on collateral loans 2.753 10 

Net premiums in course of collection, 46,403 47 

All other property, salvages etc., i.233 33 

Assets of the Company at their actual value. $1,257,895 B2 

III. LIABILITIES. 

Losses adjusted and unpaid, 811,507 23 

Losses reported and unadjusted, 17,991 

a resisted 15,700 00 



amount of unpaid losses $48,294 10 

surance on fire risks, one year or less, 8251.410 32 

Be-iusurance on risks, more than one year 173,312 



Amount required to re-insure all outstanding risks $427.7: 

tl liabilities except capital stock $47t»,Oi 

Capital stock 500,000 00 

Surplus beyond capital, 281,869 92 

Total liabilities, including capital and surplus $1,257,895 82 



COMPANIES OF OTHER STATES. 263 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $703,260 57 

Deduct re-insurance, rebate, abatements, and return 

premiums, 08,927 56 

Actual cash premiums, , $034 ,3.33 01 

From interest on bonds and mortgages, 19, 302 02 

From interest on loans and dividends on stocks and bonds, 41,708 00 

From all other sources, 3,250 00 

Actual cash income, $698,594 23 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $30,850 01 occur- 
ring in previous years), $272,135 49 

Deduct salvages &c, 6,686 GG 



Net amount paid for losses, , $205,448 83 

Cash dividends, 55,000 00 

Commissions or brokerage, 95.090 33 

Salaries and fees, 20,049 18 

Taxes 19,810 97 

All other payments and expenses. — 36,072 32 



Actual cash expenditures, $497,471 63 

VI. MISCELLANEOUS. 

Premiums. 

Risks in force having not more than one year to run$3G,480,979 00 $508,838 63 
Having more than one and not more than three 

years to run 10.414,930 00 131.572 79 

Having more than three years to run, 15,622,395 00 179,309 17 

$62,518,304 00 $819,780 59 

Premiums received since the organization of the Company. 7,629,634 73 

Losses paid since the Company organized, 5,596,459 33 

Cash dividends paid stockholders, 957,042 00 

Stock owned by directors at date, 167,900 00 

Loaned to officers and directors, 137,323 81 

Loaned to stockholders not officers, 58,221 50 

Business in Connecticut in 1874. 

Fire risks taken (no inland), $3,708,565 00 

Premiums received on same 45,857 40 

Losses paid, 23,809 21 



2(34 FIRE AM» FIKK AND ICAKINK [NSURANCK 



STANDARD FIBE ENSURAN< HPANY. 

: &K. 

. March. 1 - 

William Cuppa President. Wx. ML St. Joss, Secretary. 

'. Ji'dah Fuisbii:. X.v- Haven. 



I CAPITAL. 
ital actually paid np in cash. 

II. ASSETS. 
- on bond and mortgage, (first liens) not more than one 

year's interest due 

Interest due and accrued on bond and mortgage loans 

Value of the lands mortgaged, f ". 

Buildings (insured for $67,400 00) 



$1 Gr>, 000 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value.. 
U. S. Stocks : — 

U, S. 30 years 6 per e. reg $200,000 00 $234,000 00 

U. S. 10-40's, reg., 80,000 00 34,20 

" n's, new 10,000 00 11,800 00 



Total $240,000 00 $280,000 00 $28 ,000 .50 

Loans on Collateral. 

Par Market Amount 

Value. Value. Loaned. 

Peoples G. L. Co., Brooklyn. $5,000 00 $4,600 00 $2,500 

Mechanics Bank " 5,0£ B, B , (>() 

Hech. F. Ins. Co., " 2,500 <»<> 2,500 oo> 

Lama Ins. Co., New York 2,500 00 2,500 00 2,000 00 

Star F. Ins. Co., " 2,500 00 2,500 00 2,000 00 



Total $17,550 00 $2 I $15,500 00 

Gash deposited in Bank 6,221 

Interes' accrued on collaterafloans 

Ke1 premiums in course of collection 

Assets of the Company at their actual value $376,294 9G 



COMPANIES OF OTHER STATES. 265 

III. LIABILITIES. 

Losses adjusted and unpaid, $2,041 82 

Losses reported and unadjusted. 3,325 00 

Net amount of unpaid losses. (5,366 82 

Reinsurance on fire risks, one year or less. $42,721 75 

lie-insurance on risks more than one year, 4.789 23 



Amount required to re insure all outstanding risks, 47,510 98 

Due for salaries, printing <fcc., 1.660 72 

All other demands against the Company, ,. 248 42 



Total liabilities except capital stock. $54,780 94 

Capital stock, 200,000 00 

Surplus beyond capital 121,508 02 

Total liabilities iucluding capital and surplus 8376,294 96 



IV. INCOME DURING THE YEAR, 

Pramiums received in cash. $157,447 06 

Deduct re -insurance, rebate, abatements and re- 
turn premiums. 14,270 75 



Actual cash premiums, $143,176 31 

From interest on bonds and mortgages, 4,490 82 

From interest on loans and dividends on stocks and bonds, 13,853 22 



Actual cash income $161,520 85 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $2,182 79 occur- 
ring in previous years,) $39,153 39 

Deduct salvages &C., 1,569 97 



Net amount paid for losses, $37,583 42 

Cash dividends, 30,000 00 

Commissions or brokerage 14, 966 41 

Salaries and fees, 20,449 30 

Taxes, 3.207 33 

All other payments and expenses, 16,358 11 



Actual cash expenditures $122,564 57 



VI. MISCELLANEOUS. 



Premium- 



Risks in force having not more than one year to 

run, $9,640,091 98 $85,443 50 

Having more than one and not more than three 

years to run 487,175 00 7,267 43 

Having more than three years to run. 10,150 00 115 50 



*1 0.1 37. 41 6 98 $92,826 43 

34 



266 FIRK AND FIKB AND MA RINK INSURANCE 

Premiums received since the organization of the Company, $1,747,873 G2 

! a paid .since the Company organized, 1,106,287 88 

('ash dividends paid stockholders 330 250 00 

Stock owned by directors at date >:;o 00 

Loaned to officers and directors 11,000 00 

Loaned to stockholders not officers, 

B rinets in Connecticut in 1874. 

Fire risks taken, $489, 822 < ft 

Premiums received on same G,l">8 06 

Losses incurred. $,< NX) 00 



STAR FIRE INSURANCE COMPANY. 

New York City. 
Commenced Business. December, 1864. 
Nicholas C. Miller. President. James M. Hodges. Secretary. 

Attorney in Connecticut. Wm, Wallace, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Loans on bonds and mortgages, (first liens) not more than one 

year's interest due, ?1±2JV>:> 00 

Interest due and accrued on bond and mortgage loans, 3,793 67 

Value of the land mortgaged, 1259,000 00 

Buildings mortgaged 200,000 00 

I , o 

9 teks ".'id bonds owned by the Company. 

Par Value. Market Value. 

I'. S. :•> iocks : — 

I', s. 5-20bonds 1865, old, $10,00 $11,800 00 

D. S. 5-20 bonds, L865, m-w ■ 53,240 00 

I 8. 5-20 bonds, 1864 6,000 l "•' 

I". S. 5-20 bonds, L867, registered, 10,000 00 12,11 



rotal $70,000 00 $84,100 00 $84,100 00 



COMPANIES OF OTHER STATES. 



267 



Loans on Collateral. 



Par Value. 

Park Fire Ins Co $500 00 

Citizens Bank, 1,875 00 

Produce Bank, 1,000 00 

Bergen Co. Bank, 1,000 00 

Globe Fire Ins. Co., 2,000 00 

Dry Goods Bank, 1,000 00 

Security Bank, 1,000 00 

Marion Building Co., 600 00 

U. S. Watch Co., 000 00 

Bridgeport Mfg. Co. , 1 , 500 00 

North River Bank 2, 500 00 

Park Fire Ins. Co., 600 00 

Jersey City Fire Ins.. Co. ... 2,500 00 

German American Bank, ... 5,000 00 

New Jersey Cen. E. K., . ... 6,600 00 

Shoe & Leather Bank 1,200 00 

Morris & Essex R. R., 100 00 

Del. Lack. & West. R. R... 1,600 00 

Standard Fire Ins. Co., 1,000 00 

Farragut Fire Ins. Co., .... 1,000 00 

Manufrs. & Merchts Bank,. 4,000 00 

Citizens Fire Ins. Co., 400 00 

Scrip Fire Ins. Co 200 00 

Imp. & Trad. Fire Ins. Co. 500 00 

FiremansFund Ins. Co.,... 250 00 

Exchange Fire Ins Co. , 510 00 

American Fire Ins. Co...... 500 00 

Hoffman Fire Ins. Co., 4,050 00 

American Exchange Bank,. 1,000 00 

Farragut Fire Ins. Co., 1,000 00 

Home Fire Ins. Co. , 3, 000 00 

Manufrs. Bank Brooklyn,. 1,200 00 

Sterling Fire Ins. Co., 1,300 00 

Continental Fire Ins. Co.,. 2,000 00 

C. B. & Qu. R. R,. 500 00 

C. B. & Qu. R. R. bonds, . 500 00 

Richmond Co. Gas L. Co., 2,300 00 

Ger. Am. W. & Sec. Co.,.. 5,000 00 

Resolute Fire Ins. Co., 500 00 

Brooklyn City & New. R.R 2,000 00 

N. Y. State L. & Trust Co. 5,000 00 

North River Bank, 6, 550 00 

Imp. &Trad. Ins. Co., 1,400 00 

New Jersey R. R 3,800 00 

Bank of Metropolis, 6,000 00 

Staten Island R, R. , 4, 000 00 

Hoboken City, 900 00 

Richmond County, 500 00 



Market Value. 
$830 00) 
2,735 00 J 
1,000 00) 

1,000 ooi 

2,500 00") 
1,000 00 J 
750 00 I 
600 00 | 
600 00J 
1,125 00 
2,500 00 \ 
996 00) 
3,000 00 
4,500 00) 
7,128 00)' 



1.800 00 



100 00 > 
1,760 00) 
1,100 00 
1,000 00 
4,000 00) 
500 00 - 
200 00) 
550 00^j 
200 00 
510 00 
750 00J 
4,950 00"! 
1.080 00 



Amt. Loaned. 
$2,300 00 

1,800 00 



4,050 00 

1,000 00 

2,500 00 

1,600 00 

10,500 00 

3,000 00 

1,000 00 
700 00 

2,000 00 
1,500 00 



1,000 00 



3,000 00 I 
1,200 00 | 
1,300 00 J 
2,500 00) 
500 00 - 
550 CO) 
2,300 00) 
5,000 00) 

500 00 
2,000 00) 
5,000 Ooi" 
6,550 00)^ 
1,500 00^ 
4,375 00 
6,000 00 
4,000 00 ^ 



} 9,400 00 



2,300 00 

4,300 00 

400 00 

5,150 00 

5,000 00 

3,800 00 
5,000 00 



900 00 [■ 4,600 0J 
500 00 ) 



268 FIRK AND FIRE AND MARINE INSURANCE 

Par Value. Market Value. Amt I 

U. S. 5-20'fl $1,600 00 11,770 00 $1,600 00 

Citizens Steamboat Co., .. 10,000 00 10,000 001 ln ,, 00 00 

North Biver Bank 2,600 00 2,600 00 J 

Metropolitan Ins. Co., 00 1,500 <•<> 1,0 

Manuf. A Build. Bank,.... 00 00 2,000 00 1,600 00 

German American Bank,... 2,600 00 2,600 00 2,000 00 



Total, $112,936 «>'> $117,709 no $87,900 oo 

C'.i-h in Company's principal office 10 352 60 

Cash deposited in Bank 20,706 CD 

Interest due and accrued on collateral loins. 191 7;) 

Ni t Premiums in course of collection, 12,31] 53 



Assets of the Company at their actual value, $401,981 12 

III. LIABILITIES. 

Losses adjusted and unpaid, , $516 51 

Losses reported and unadjusted. 7 . 850 00 

Losses resisted, 7, 250 00 



Net amount of unpaid losses $15,61(3 51 

Re-insurance on fire risks, one year or less, $97,794 10 

Re-insurance on risks more than one year, 7, 33t 5 - i 



Amount required to re-insure all outstanding risks, 105,130 92 

Due and accrued for salaries, rent &c 833 33 

All other demands against the Company 1,600 00 



Total liabilities except capital stock, $ !-.">.' B0 7*1 

Capital stock, 200,000 00 

Surplus beyond capital 78.900 36 

Total liabilities including capital and surplus, $401,981 12 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $210,969 66 

Deduct re-insurance, rebate, abatements and return 

premiums, 12,593 01 



Actual cash premiums, $198,376 65 

From interest on bonds and mortgages, 12.496 96 

From interest on loans and dividends on stocks and bonds, 7,606 38 

From all other sources, 75 67 



Actual cash income $218,565 66 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $6,707 IS occur- 
ring in previous years), $81,966 19 

Deduct Salvages 2,103 71 



N-t amount paid for losses $79,862 48 



COMPANIES OF OTHER STATES. 269 

Cash dividends, $20,000 00 

Commissions or brokerage, 13,075 58 

Salaries and fees, 17,464 05 

Taxes, 7,107 67 

All other payments and expenses, 35,891 81 

Actual cash expenditures, $173,401 59 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run, $17,904,658 00 $195,588 21 

Having more than one and not more than three 

yearstorun. 851,021 00 10,904 20 

Having more than three years to run, 44,000 00 702 50 



$18,799,679 00 $207,194 91 

Premiums received since the organization of the Company 1,518,422 55 

Losses paid since the Company organized, 863,391 92 

Cash dividends paid stockholders, 154,791 77 

Stock owned by directors at date, 91,000 00 

Loaned to officers and directors, 33,050 00 

Loaned to stockholders not officers, 9,100 00 

Business in Connecticut in 1874. 

F're risks taken (no inland), $330,051 00 

Premiums received on same, 5,282 53 

Losses paid, 5,076 74 



270 



FIRE AND FIRE AND MARINE INSURANCE 



TRADERS FIRE INSURANCE COMPANY. 



Chicago, III. 



Commenced Business February, 186 



S. A. Kent. President. 



R. J. Smith, Secretary. 



Attorney in Connecticut, Ralph Gillett, Hartford. 



I. CAPITAL. 

Capital actually paid up in cash. $=500,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due 821,111 10 

Stocks and Bonds owned by the Company. 

Par Value. Market Value 
U. S. Stocks : — 

United States 10-40'a reg., $500,000 00 $676,250 00 

Municipal Bonds: — 

Chicago City, 10,000 00 10,000 00 

" " certificates, 14, 678 43 14,678 43 

Miscellaneous : — 

Cook County, 33,000 00 33,000 00 

Evanston Water loans, 15,000 00 15,000 00 

Total, $572,678 43 $648,928 43 $648,928 43 

Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 
Baptist Church bds. Chgo. 111. $5,000 00 $5,000 00 $5,000 00 

First Nat. Bank. " 1.5(10 00 2,1 75 00 1.5O0 00 

Total $6,500 00 $7,175 00 $6,500 00 $6,500 00 






COMPANIES OF OTHER STATKS. 271 

Cash in the Company's principal office, $690 60 

Cash deposited in Bank. 24,169 31 

Interest accrued on collateral loans, 526 31 

Net premiums in course of collection, 23,016 14 

Bills receivable, ."...'518 33 

All other property belonging to the Company, 6,159 96 

Assets of the Company at their actual value, $736,450 08 



III. LIABILITIES. 

Losses unadj usted, $7, 1 79 41 

Re-insurance on fire risks, one year or less, $ 117, 010 53 

Re-insurance on risks more than one year, 17,534 53 

Re-insurance on inland navigation risks, 243 00 

lie-insurance on unexpired marine risks, 555 10 



Amount required to re-insure all outstanding risks, 135,973 16 

Total liabilities, except capital stock, 143,452 57 

Capital stack, 500,000 00 

Surplus beyond capital, 92,997 51 

Total liabilities, including capital and surplus, $736,450 08 



IV. INCOME DUBING THE YEAR. 

Fire. Marine. 

Premiums received in cash, $280,866 58 $138,313 83 

Deduct re-insurance, rebate, abatements 

and return premiums, 15,107 77 [37,376 49 



Actual cash premiums, $265,758 81 $100,937 34 $366,696 15 

From interest on bonds and mortgages, 900 00 

From interest on loans and dividends on stocks and bonds, 34,066 36 

Actual cash income, $401,662 51 



V. EXPENDITURES DURING THE YEAR. 

Fire. Marine. 

Amount p rid for losses, (including $32.- 

621 13 occurring in previous years), . . $154,820 62 $105,396 25 

Deduct salvage &c 135 82 26,542 73 

Net amount paid for losses, $15-1,684 80 $78,853 52 $233.538 32 

Cash dividends 60, 00i I 00 

Commissions or brokerage, 39.674 13 

Salaries and fees, 20,410 21 

Taxes, 3 ? <)0S 31 

All other payments and expenses, 35.497 72 

Actual cash expenditures, $393,088 69 



272 llKi; AM) FIRK AND MAKINK IN8URANCS 

VI. 1H8CELLANE01 



Premiums. 



i in force having not more than one year to 

run 115,658,056 15 $285,281 07 

II lying more than one and not more than three 

years to TOD 1,258,791 66 18,964 82 

Haring more than three years to ruo 354,800 07 G,1H 18 



117,266,146 81 $260, 

-Marine. Premium*. 

00 $79* 

Premiums received since the organization of the Company, 1,179,410 41 

L isa K9 paid since the organization of the Company i 

Cash dividends paid stockholders 1H>.< 

Stock owned by directors at date 94,900 00 

Business in Connecticut in 1874. 

Fire risks taken, $334,4* 

Premiums received on same 4,16 

Losses paid, 1,115 49 



UNION FIRE AND MAKINK ENSURANCE COMPANY. 

Galveston, Texas. 

Commenced Business July. 1S.">4. 

I. Dyer, President. Wm. F. Beers. Secretary. 

Attorney in Connecticut, C. C. Kimball, Hartford. 



I. CAPITAL. 

Capitol actually paid up in cash $200,000 00 

II. ASSETS. 

Loans on bond and mortgage, (first liens) not more than one 

yeare interest due £17.."H>0 00 

Value of the land mortgaged $27,850 00 

Buildings [insured for $2,000 00) 14,00(1 

Tota j $41 B50 00 



COMPANIES OF OTHER STATES. 



273 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

Municipal Bonds : — 

City of Galveston, spec, debt 810,000 00 $9,300 00 

City of Galveston, fire department, 2,000 00 1,520 00 

City of Galveston, harbor irnprov., 3,700 00 3,774 00 

Miscellaneous : — 

Gilveston City R. R., 10,000 00 10,000 00 

Galveston Wharf Co., 12 per c...... 38,000 00 39,140 00 

Galveston Wharf Co., 10 per c...... 20,000 00 20,000 00 

Southern Cotton Press Mfg. Co.,.. 20,000 00 20,000 00 

Texas Cotton Press Mfg. Co., 5,000 00 5,000 00 



Total, $108,700 00 $108,734 00 $108,734 00 



Loans on Collateral. 



Par 

Value. 

Houston & Tex. Cen. R. R. $5,000 00 

Island City Savings B ink, . 2.400 00 

Gulf Loan & Home. Co.,... 320 00 

Galveston Wharf Co., 5,000 00 

Galveston Wharf Co. , 2, 200 00 

Galveston Wharf Co., 2,000 00 

Galveston City R. B.. 10,350 00 

Island City Savings Bank,. 4,000 00 

Galveston City R . R 5, 000 00 

Galveston Gas Co., 1,000 00 

First Nat. Bank, Galveston 1,000 00 

Hous on & Tex. Cen. R.R, 300 00 

Galveston Wharf Co G.000 00 

Galveston City R. R., 26,000 00 

Galveston Gas Co., 4,100 00 

Galveston City R. R., 2,150 00 

Merchants Ins. Co., 3,250 00 

Galveston City Co 250 00 

Galveston Wharf Co. , 1 2, 1 00 00 

So. Cotton Press Mfg. Co.. 4,400 00 

Galveston City R, R 10,500 00 

1st Nat. Bk'. Galveston,.... 1,000 00 

Gulf loan & Homstead Co., 640 00 

National Bank of Texas, . . 1,000 00 

Galveston Insurance Co.,.. 1,000 00 

Island City savings Bank. . 800 00 

Galveston City R. R. Co.,. 750 00 

Gulf loan & Homstead Co. 640 00 

So. Cotton Press Mfg. Co. . 5,000 00 
Galveston City Bond, 

^Street Imp. fund 2d series, 4,000 00 



Market 
Value. 

525,000 00 

2,232 00 

270 00 

3,100 00 

1,364 00 

1,240 00 

4,140 00 

3,720 00 

2,000 00"| 

1,420 00 I 

1,150 00 J 

1,500 00 J 

3.720 00 

10,400 00 

5,822 00 

860 00} 

1,495 00- 

2,687 50) 

7,502 00 \ 

2,992 00 > 

4,200 00 ) 

1,150 00 

540 00 

1,150 00 1 

1,060 00) 

744 00) 

300 00" 

540 00-* 

3,400 00 

3,400 00 



Amount 
Loaned. 

$10,300 00 
2,000 00 
200 00 
8,000 00 
1,320 00 
1,273 20 

7,000 00 



,000 00 



3,000 00 

10,000 00 

5,000 00 

4,100 00 



14,000 00 

1,000 00 
500 00 

2,000 00 

1,250 00 

500 00 

2,500 00 



Total,. 

35 



$122,150 00 $99,098 50 $73,943 20 $73,943 20 



274 FIRE AND FIRE AND HA.RINK INSURANCE 

All other Loans 10,000 oo 

Gash in Company's prinoipal office 

Cash deposited in bank 16,817 17 

Net premiums in oonrse of collection, 10,29 

nts of the Company at their actual value, $242,374 78 

III. LIABILITIES. 

Losses reported and unadjusted, 760 00 

lie-insurance on fire risks, one year or less $18,383 12 

lie insurance on risks, more than on year 1,680 56 

lie-insurance on unexpired marine risks, 1,985 32 

Amount required to re-insure all outstanding risks 22,049 00 

Cash dividends remaining unpaid 1.4.">0 00 

Taxes and assessments 2,794 34 



Total liabilities except capital stock, $27,043 34 

Capital stock, 200,000 00 

Surplus beyond capital 15,331 39 



Total liabilities, including capital and surplus. $242,374 73 

IV. INCOME DURING THE YEAR. 

Fire. Marine. 

Premiums received in cash, $52,184 39 $13,230 00 

Deduct re-insurance, rebate, abatements 

and return premiums, 7,030 21 2,070 62 



Actual cash premiums, $44,254 18 $10,260 04 $54,514 22 

From interest on loans and dividends on "stocks and bonds. 22,947 76 

From all other sources, 120 98 

Actual cashincome $77,882 96 

V. EXPENDITURES DURING THE YEAR. 
Fire. Marine. 

Amount paid for losses, $9,384 37 $2,23654 

Deduct salvage 1,600 00 



Net amount paid for losses $7,884 37 $2,236 r,\ $10,120 '.'1 

Cash dividends 22,550 00 

Commissions or brokerage, 1,948 60 

Salaries andfees, 14,tM2 60 

Taxes 4.289 40 



Actual cash expenditures, $53,551 51 

VI. MISCELLANEOUS. 

Premiums. 

Risks in force having not more than one year to 

run 82,296,706 00 $36,7 2% 

Having more than one and not more than three 

years to run, 118,783 00 3,070 75 

$2,410,489 00 $39,837 00 



COMPANIES OF OTHER STATES. 275 

Marine. Premium*. 

$105,173 00 $1,985 32 

Premiums received since the organization of the Company, .. 600,458 00 

Losses paid since the Company organized, 371.049 00 

Cash dividends paid stockholders, 70,000 00 

Stock owned by directors at date, 59,150 00 

Loaned to officers and directors, 8,000 00 

Stock dividends declared, 177,500 00 

Loaned to stockholders not officers, 11,100 00 

Business in Connecticut in 1874. 

Fire and marine risks taken, $10,000 00 

Premiums received on same, 125 00 

No losses. 



WESTCHESTER FIRE INSURANCE COMPANY. 
New Rochelle, N. Y. 
George J. Penfield, President. George R. Crawford, Secretary. 

Attorney in Connecticut, George R. Cowles, Norwalk. 



I. CAPITAL. 

Capital actually paid up in cash $200,000 00 

II. ASSETS. 

Real Estate owned by the Company unencumbered, $28,500 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 202,300 00 

Interest due and accrued on bond and mortgage loans, 4,474 08 

v Value of the land mortgaged $270,000 00 

Buildings (insured for $231, 575), 276,100 00 

$546,100 00 



276 riBB AND llkK AXD MARINE INSURANCE 

Storks and ' y the Company. 

V'it Value. Market Value. 
U. S. Stocks: — 

U. S. .VlM's. : 

in- I " 10,000 00 11,425 00 

66 65,6 91 26 

.:: 25,00 80,500 00 

5'b, '81 10,000 00 11.8 

6's, 'si 15,500 00 18,910 00 

Railuoad Bonds: — 

Central Pacific 20,000 00 19,400 00 

Chesapeake & Ohio, 10,000 00 5,500 00 

Bank Stocks i 

Manufacturers & Mer. Bonk, N. T., 6,000 00 6,000 00 
Municipal Bonds : — 

New York Bounty bonds. 14,000 00 1."). 100 00 

"Westchester County bonds 4,000 00 4,07" 00 

East Chester Town bonds, 25,000 00 25,729 16 

"White Plains Village bonds, 10,000 00 10,3r>0 00 



Total, 1355,000 00 $402,815 41 £402,815 41 

Loans on Collateral. 

Par Value. Market Value. AmtLoaned. 

Central Bk., Westchester Co.,. $1,900 00 $1,000 00) 

Taylor Iron Works 2,500 00 1,.">00 00 - $2,500 00 

Harlem & Fordham R. R. Co., 3,000 00 1,200 00) 

Citizens Bank, 2.500 00 2,500 00 1,500 00 

Huguenot Park Association,... 5,000 00 5,000 00 1,500 00 

Westchester Town bond, 1.000 00 1,000 00 500 00 

U. S. 5-20's 250 00 250 00 250 00 



Total, $16,150 00 $13,350 00 $6,250 00 $6,250 00 

Cash depositedin Bank, 33.289 16 

Net premiums in due course of collection, 67,663 07 



Assets of the Company at their actual value, $745,291 72 

III. LIABILITIES. 

Losses reported and unadjusted, $20,000 00 

Losses resisted, 7,600 00 



Net amount of unpaid losses, $27,600 00 

Re-insurance on risks, one year or less $245,018 03 

Re-insurance on risks more than one year 109,388 51 

Amount required to re-insure all outstanding risks, 355,006 54 

Cash dividends remaining unpaid 125 10 



T ttal liabilities, except capital stock, $382,731 64 

Capital stock, 2oo,000 00 

Surplus beyond capital, 162,560 08 

Total liabilities, including capital and surplus $745,291 72 



COMPANIES OF OTHER STATES. 277 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, * $777,954 18 

Deduct re insurance, rebate, abatements and return 

premiums, 127,428 17 

Actual cash premiums. $650,526 01 

From interest on bonds and mortgages, 13,249 60 

From interest on loans and dividends on stocks and bonds, 14,130 78 

From Rents, 225 00 



Actual cash income, $678,140 39 

V. EXPENDITURES DURING THE YEAR, 

Amount paid for losses (including $26,915.60 occurring in pre- 
vious years) $338,930 51 

Cash dividends, 19,979 50 

Commissions or brokerage, 115,455 81 

Salaries and fees, 22,321 07 

Taxes, 14,833 55 

All other payments and expenses. 65,813 50 



Actual cash expenditures, $577,333 94 



IV. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run .' $43,904,376 00 $557,506 20 

Having more than one and not more than three 

years to run 13,818,016 00 128,482 70 

Having more than three years to run, 849.745 00 8,735 92 



$58,572,137 CO $694,724 88 

Premiums received since the organization of the Company 3,831,595 90 

Losses paid since the organization of the Company, 2,019.376 22 

Cash dividends paid stockholders. 78,000 00 

Stock owned by directors at date, 82,000 00 

Loaned to officers and directors 11,000 00 

Business in Connecticut in 1874. 

Fire risks taken (no inland) $1,760,420 00 

Premiums received on same, 22,133 51 

Losses paid, 19,899 73 



278 FIRE AND FIRK AND MA KINK INSURANCE 



WILLIAMSBURGH CITY FIRE [NSURANCE 
COMPANY. 

Brooklyn, N. Y. 
Commenced Business March, 181 
Edmund Dbiggs, President. N. W. Mesebole, Secretary. 

Attorney in Connecticut, C. M. Webster, Hartford. 






I. CAPITAL. 

Capital actually paid up in cash , $250,000 00 

II. ASSETS. 

Heal estate owned by the Company unencumbered, $74,433 84 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 350, 700 00 

Interest accrued on bond and mortgage loans, 4,032 00 

Value of land mortgaged, $371,125 00 

Buildings (insured for $281,230), 410,300 00 



$781,425 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. Stocks : — 

U. S. registered fi's, 1881, $G0,000 00 |70,800 00 

U. S. Currency G's, 40,000 00 46,800 00 

BiuNiclPAli Bonds: — 

Brooklyn City Assessment, 20,000 00 20,200 00 

Jersey City Water, 10.000 00 9,000 00 

Flushing, L. I., water bonds, 4,000 00 8,920 00 

Broadway K. K., 14,000 00 14,000 00 

Miscellaneous : — 

Union Ferry Company, 0,900 00 9,384 00 



Total, $154,900 00 $174,704 00 $174,704 00 



1,900 00 



COMPANIES OF OTHER STATES. 279 

Loans on Collateral. 

Par Value. MarketValue. Am't Loam d. 

Maiiuf. Nat. Bank, N. Y...... $3,000 00 $3,000 00" $2,000 00 

First Nat. Bank Brooklyn.... 3,000 00 4,800 00) ? QQQ Q(J 

Brooklyn C. &£N. R. R., Co., 4,000 00 3,(500 00) 

People's G. L. Co. Brooklyn, 1,000 00 870 00 750 00 

South Side R, 11,, Co., L. I.,) 

secured by decree of Su--" 6,250 00 3,000 00 3,000 00 
preme Ct, ordering amt. pd. ' 

U. S. 5-20's, 1867 1,000 00 1,800 00| 

Delaware & Hudson Canal,... 1,300 00 1,52100) 

Delaware & Hudson Canal,... 2,200 00 2,574 00 2,000 00 

Oneida National Bank, 1,000 00 1,300 00 900 00 

U. S. bond, coup. G's, 1881,. 2,500 00 2,950 00 2,500 00 

Brooklyn G. L. Co., 0,000 00 13,500 00 10,000 00 

Merchants' Ins. Co., 1,500 00 2,000 00) 

Lafayette Ins. Co., 5,000 00 6,500 00 > 

N. Brunswick, N. J. Water,. 4,000 00 3,900 00 3,750 00 

Broadway R. R., 2,000 00 2,000 00 1,600 00 

Union Ferry Co., Brooklyn,. 600 00 816 00 600 00 

Mechanics' Bank, Brooklyn,. 1,250 00 2,250 00) 

Certificate of Balti. Gas Co., 1,000 00 1,000 00" 10,000 00 

Balti. Gas Co., Balti. Md.,... 7,500 00 11,250 00^ 

N. Y. Fire Ins. Co., 500 00 700 00 450 00 

Lafayette F. Ins. Co., N. Y., 1,500 00 1,950 00 > x 35Q QQ 

Peoples, G. L. Co. Brooklyn, 500 00 435 00 > 

StarF. Ins. Co., N. Y.., 3.000 00 3,000 00 2,500 00 



1,000 00 



Total, $59,600 00 $74,776 00 $51,300 00 $51,300 00 

Cash in Company's principal office, 9,731 40 

Interest due and accrued on stocks, 1,003 33 

Cash deposited in bank, 27,223 85 

Interest accrued on collateral loans, 1,130 41 

Net premiums in course of collection, 35, 186 27 

All other property belonging to the Company, 50 00 



Assets of the Company at their actual value, $729,495 10 

III. LIABILITIES. 

Losses reported and unadjusted, $12,579 17 

Losses resisted, 4,425 00 



Net amount of unpaid losses, $17,004 17 

Re-insurance on fire risks, one year or less, $175,376 76 

Re-insurance on risks more than one year, 27,390 50 

Re-insurance on inland navigation risks, 390 62 



Amount required to re-insure all outstanding risks, 203,157 88 

Cash dividends remaining unpaid, 18 00 

Due for salaries, printing «fec, 2,625 00 



Total liabilities, except capital stock, $222,805 05 

Capital stock, 250.000 00 

Surplus beyond capital, 256,690 05 



Total liabilities including capital and surplus $729,495 10 



'i s, » PIRK AND FIRK AND MARINE INSURANCE 

IV. INCOME DURING THE YEAR. 

Fire. Inland. 

iums reoeived in cash $492,770 96 $80,288 22 

Deduct re-insuran .-. rebate, abate- 
ments and return premiums 80,826 88 8,001' 80 

Actual oasb premiums $461,944 58 $21,825 '.»•-' $483,270 50 

. interest on bon Is and mortgages, 21, 21 

From interest on loans and dividends on stocks and bonds, ] J. 

From all other sources 793 62 



Actual cash income, $516,932 41) 

V. EXPENDITURES DURING THE YEAR. 

Fire. Inland. 

Amount paid for losses, (including $28,- 

315.92 occurring in previous years),. $227, 783 79 $41,031 56 

Deduct salvage &c, 8,414 57 4,676 83 



Net amount paid for losses. $224,369 22 $37,254 7:', $261,623 95 

Cash dividends 20.082 00 

Commissions or brokerage, 72,108 84 

Salaries and fees, 37,045 80 

Taxes, 7,204 33 

All other payments and expenses, 40,159 82 



Actual cash expenditures, $448,874 74 

VI. MISCELLANEOUS. 

Premiums. 

Risks in force having not more than one year 

to run, 840,011,130 00 $358,886 37 

Having more than one and not more than three 

years to run, 2,380,637 00 24,007 75 

Having more than three years to run 1,040,016 00 13,464 42 

$50,047,002 00 $397,048 54 

Inland. Premiums. 

$15,025 00 $781 25 

Premiums received since the organization of the Company, 4,082,407 06 

Losses paid since the Company organized, 2,389.515 30 

Cash dividends paid stockholders, 415,000 00 

Stock owned by directors at date, 99,450 00 

Loaned to officers and directors, 24,500 00 

Loaned to stockholders not officers, 3,900 00 

Business in Connecticut in 1874. 

Fire and inland risks taken. $806,484 22 

Premiums received on same, 11,233 35 

Losses paid, 4,508 70 



MUTUAL F1EE 
INSURANCE GO'S OF OTHER STATES. 



ABSTRACTS COMPILED FROM THEIR ANNUAL STATE- 
MENTS, SHOWING THEIR CONDITION ON THE 
31st DAY OF DECEMBER, 1874. 



36 



CITIZENS MUTUAL INSURANCE COMPANY. 

Boston, Mass. 

Commenced Business. October, 18 16. 

Stephen W. Tbowbbidge, President. Joseph W. Peabody, Secretary. 

Attorney in Connecticut, Silas Chapman Jb., Hartford. 



II. ASSETS. 
Loans on bond and mortgage, (first liens) not more than one 

year's interest due, $171,306 00 

Value of the land mortgaged. $161,550 00 

Buildings (insured for $155,500 00) 200.900 00 



$365,450 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

United States registered 1867, $15,000 00 $17,887 50 

Bank Stocss : — 

Hide & Leather National Bank, 3,000 00 3,682 50 

First National Bank of Boston, 5,000 00 10,000 00 

Kailroad Bonds : — 

Boston & Lowell, 3,000 00 2,700 00 



Total, |26,000 00 .$31,270 00 31,270 00 

All other loans, 20,H5 00 

Cash in Company's principal office 2,204 0-1 

Cash deposited in Bank, 2,904 57 

Interest accrued on stocks, 600 00 

Interest accrued on collateral ]oans, 5.275 71 

Net premiums in course of collection, 9,418 56 

Assets of the Company at their actual value $246,132 88 



284 Ml rUAL FIRE INSURANCE 

III. LIABE 

: ! Bl 60 

2.( ■ 



lilt Of MUpiid loves 82,l.';i 60 

Amount required to re-insure all outstanding lisks. 128. 61 

Due for Rent 



Total liabilities, $131,144 15 

Surplus 114, 988 73 



Total liabilities, including surplus $240,132 88 

IV. INCOME DURING THE YEAK. 

Premiums received in cash, $75,496 85 

Deduct re-insurance, rebate, abatements, and return 

premiums, 4,381 15 

Actual cash premiums, $71,115 70 

From interest on bonds and mortgages, 13,450 80 

From interest on loans and dividends on stocks and bonds, 2,068 94 

From all other sources, 3,G94 35 



Actual cash income, $90,319 79 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, 80.917 10 

Cash dividends, 14,696 18 

Commissions or brokerage, 11,109 48 

Salaries and fees, 6,897 12 

Taxes 920 02 

All other payments and expenses, 4,285 27 



Actual cash expenditures, $48,824 17 

VI. MISCELLANEOUS. 

Premiums. 

Net amount of risks in force 810,790,512 00 $267,376 31 



COMPANIES OF OTHER STATES. 285 



HOLYOKE MUTUAL FIRE INSURANCE COMPANY. 

Salem, Mass. 

Commenced Business May, 1843. 

Augustus Stone. President. Thomas H. Johnson, Secretary. 

Attorney in Connecticut, S. T. Holbrook, Norwich. 



II. ASSETS. 

Real estate owned by the Company unencumbered, $55,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due, 6,500 00 

Interest accrued on bond and mortgage loans, 77 77 

Value of land mortgaged, $3,100 00 

Value of buildings mort, (ins. for $6,500,)... 11,500 00 

$14,000 00 



Stocks and Bonds oioned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

U. S. 5-20's 6 per c, 1865 gold,.... $6,500 00 $7,202 00 

U. S. 5-20's, 6 per c, 1867 gold,... 7.500 00 9,112 50 

Mass. 1893 5 per c, gold. 4,000 00 4.120 CO 

Bank Stocks : — 

National Exchange, Salem , 3, 100 00 3, 844 00 

Firat National, " 1,000 00 1,350 00 

Mercantile National, •' 3,500 00 4,200 00 

Naumkeag National, " 3,900 00 5,850 00 

Salem National, " 14,000 00 16,800 00 

Nat. Bank of Commerce Boston, .. 6,500 00 8,222 50 

National Republic " 5,000 00 6,450 00 

Blackstone National, " 2,000 00 2,830 00 

Freemans National, il 1.500 00 2,017 50 

Globe National, " 3,000 00 4,116 00 

Merchants National, " 8,000 00 11,340 00 

National Revere, " 4,000 00 4,880 00 

Second National, " 7,500 00 11,700 00 

Union Market Nat. Watertown,... . 5,000 00 5,250 00 



286 Ml'J UAL FIRE INSUKAN 

Par V Market Value. 

m : — 

Portland : 6 pero $5,000 oo 350 oo 

Q pei c, i80 00 

L891 6 per o 10,000 I 9,000 00 

Boston City. M . ■ c.,. 1,000 00 

Chelsea City. Mass. 1892 6 per c.,. 17.000 00 16,490 00 

pero. 10,000 00 9,850 00 

Cinc-1 14 7 per c. 5.100 00 

Lynn, Hi 6 per c, 5,000 00 4,850 00 

Lowell. Mass. 1890 6 pero., 4,000 00 3.880 00 

Lawrence 394 6 per c 5.00000 4,85 

Milwaukee. Wis. 1891 5 per e 2,600 00 2,125 00 

Minneapolis, Bf in. 1894 8 per 0.... 5,000 00 00 00 

Railroad Stocks : — 

Pitts. Ft. \Vyn\ &C. 7perc, guar. 10,000 00 9.300 00 

Ogdensburgh & L. Cham., ex div. 5.000 00 75 00 

Old Colony ex div., 3,100 00 3,286 00 

Port, Ports & Saco 5,000 00 5.425 00 

• >ad Bonds : — 

C. Burl. & Quincy 7 per c 10,500 00 10.747 50 

Eastern 7 per c., 1882, 10,000 00 9,000 00 

Eastern 6 per o., 1888, 5,000 00 4.000 00 

Eastern G per c., 1889, 5,000 00 4,000 00 

Old Colony 7 per c, 1877, 00 225 00 

Mich. S.&No. Ind. 7perc. 2d mort 3,500 00 3 .".00 00 

Phila. & Reading 7 per c., reg 10,000 00 10,400 00 

W. Cent. & Vt & Canada 8 per <?.,. 2,000 00 1.200 00 

Central New 7 per a, 5,000 00 5.087 50 

Miscellaneous : — 

Port. Me. Water Co. '88 Gperc.gold 5,000 00 3.500 00 



Total, |247.600 00 $201,899 56 $261,899 50 



Loans on Coll 'ate r al. 

Par Market Air. 

Value. Value. med. 

Naumkeag Cotton Co. Salem,. $800 00 $808 00) 

Bank, " 450 00 ■ i 

ftm 400 m 500 00' 

Salisbury Mills Co 10,000 00 7,000 

Kentucky Improve. Co., 5,000 00 4,000 00) 



10,000 00 



Total $16,600 00 $12,7 - $11,500 00 $11,500 00 

in Company's principal office 9,473 95 

Cash ; in Bank, 3 712 I 3 

Interest due and accrued on stoi its 

Inter I on collateral loans, 291 65 

emioms in course of collection, 174 99 



Assets of the Company at their actual value $350,043 24 



COMPANIES OF OTHEK STATICS. 287 

III. LIABILITIES. 

Losses resisted, $700 00 

Re-insurance on fire risks, one year or less, $18,335 54 

Re-insurance on risks more than one year, 155,-153 G7 



Amount required to re-insure all outstanding risks, 1 73, 789 21 

Principal on unpaid scrip 73 16 

Total liabilities, $174,502 47 

Surplus, 175,480 87 

Total liabilities, including surplus, $350,043 24 

IV. INCOME DURING THE YEAR. 

Actual cash premiums, $104,412 71 

From interest on bonds and mortgages, 459 50 

From interest on loans and dividends on stocks and bonds, 17,350 82 

From all other sources, 5,963 79 



Actual cashincome, $128,186 82 



V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $975 00 occurring in pre- 
vious years, ) 

Cash dividends, 

Scrip or certificates of profits redeemed in cash, 

Commissions or brokerage, 

Salaries, fees, &c. , 

Taxes, 

All other payments and expenses, 



Actual cash expenditures, . 



$30,140 


75 


13,031 


42 


1,301 


60 


16,197 


57 


7,315 


78 


948 


72 


2,557 


62 


$71,493 


51 



VI. MISCELLANEOUS. 

Premiums. 

Net amount of risks in force, $22,620,373 29 $347,578 42 

Losses paid since the Company organized, 1,009 346 12 

Business in Connecticut in 1874, 

Fire risks taken (no inland), , $365,290 00 

Premiums received on same 3,374 17 

Lossespaid, , 341 24 



200 UAL FIRE INST I: 



LYCOMING FIRE ENSUBANCE COMPANY. 

V. PSNN. 

Commenced Business, April. 1840. 
Wk. P. J. Painter, President. Jaio - M . Bowman, Secretary. 

Attorney in Connecticut, George S. Lester. New H.> 



II. ASSETS. 

Real estate owned by the Company unencumbered $40,000 00 

Loans on bond and mortgage, (first liens) not more than one 

year's interest due. 5,337 00 

Loans on bond and mortgage, (first liens) more than one year's 

interest due 4.500 00 

Interest due and accrued on bond and mortgage loans 773 66 

Value of the lands mortgaged, 833,000 00 



Stocks and Bonds oicned by the Company. 

Par Value. Market Value. 

Bank Stocks : — 

Union Banking Co.. Phila $6,400 00 $6,400 00 

Miscellaneous : — 

Borongh of Tyrone. Blair Co. Pa... 200 00 200 00 

Catawissa 7 per c, mort. bond, .. . . 11,000 00 11,000 00 



Total $17,600 00 *17,600 00 17,600 00 

Cash deposited in Bank 193,871 24 

Intei-est accrued on stocks. 385 00 

Net premiums in course of collection, 60.223 11 

Bills receivable 5,431 72 

Net assessment in process of collection 59,195 98 

Net assessments due on premium notes, 128,112 56 

Premiumnotes. 85,024,021 80 



Assets of the Company at their actual Talue 8515,430 27 



COMPANIES OF OTHER STATES. 289 

III. LIABILITIES. 

Losses adjusted and unpaid, not due, $87,587 89 

Losses reported and unadjusted. 34,31)2 72 

Losses resisted, 25,400 00 



Net amount of unpaid losses $147,380 01 

Amount required to re-insure all outstanding risks, 275,260 25 

All other demands against the Company, 0,594 19 



Total liabilities, $429,225 05 

Surplus 80,205 22 



Total liabilities including surplus, $515,430 27 

IV. INCOME DURING THE YEAR 

Premiums received in cash $734,930 41 

Deduct re -insurance, rebate, abatements and re- 
turn premiums, 118,570 40 

Actual cash premiums, , $010,305 95 

From interest on bonds and mortgages, 1,180 50 

From interest on loans and dividends on stocks and bonds, 519 94 

From all other sources, (assessments collected.) 219,370 30 



Actual cash income, $837,442 81 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including #20,500 00 occur- 
ring in previous years.) $531,539 83 

Deduct salvage*, 1,402 02 

Net amount paid for losses, $530,137 21 

Commissions or brokerage, 128,339 73 

Salaries and fees, . , 10,930 57 

Taxes " 11,239 95 

All other payments and expenses, 87,422 54 



Actual cash expenditures, $774,076 00 

VI. MISCELLANEOUS. 

Premium?. 

Net amount of risks in force, $00,618,860 88 $786,570 39 

Premiums and assessments received since the organization of 

the Company, 7,409,572 44 

Losses paid since the organization of the Company, 5,553,083 21 

Business in Connecticut in 1874. 

Fire risks taken, $987,398 01 

Premiums received on same. 10,400 88 

Losses paid, 8,062 09 

37 



290 MUTUAL b'lliti INSURANCE 

:rohants and farmers .mutual fire 
insurance company. 

0K8TEB, Mass. 

Commenced Business January, 1847. 

Isaace Davis, President. Elijah B. Stoddard, Secretary. 

Attorney in Connecticut^ Ralph Gillktt, Hartford. 



II. ASSETS. 

Real estate owned by the Company unencumbered, $50,000 00 

Loans on bonds and mortgages, (first liens) not more than one 

year's interest due, C,C0D 00 

Value of the land mortgaged, $!). 500 00 

Buildings mortgaged 8, 000 00 

§17,500 00 

Stocks and bonds owned by the Company. 

Par Value, Market Value. 

Bank Stocks: — 

Quinsigamond, $S00 00 $1,072 00 

Central, 2,000 00 2,700 00 

Mechanics 1,300 00 1,755 00 

Municipal Bonds: — 

City of Lawrence, 0,000 00 0,000 00 

Town of Marlboro, '3,000 00 3 : 000 00 

City of Worcester, 5,000 00 5,000 00 

Railroad Bonds : — 

Worcester A Nashua, 20,000 00 20,000 00 



Total $41,100 00 $42,527 00 $42,527 00 

Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

United States Bonds. $1.000 00 $1,150 00 $1,000 00 $1.000 00 

All other loans, ,000 00 

Ccsh in the Company's principal office, 1)83 '.'('. 

Cash deposited in Bank 25,400 GS 

Interest accrued on stocks. 4 7.") 00 

Net premiums in course of collection 1,684 Co 

Premium notes liable to assessment >•_'< 8,981 CO 

Assets of the Company at their actual value $208,061 20 



COMPANIES OF OTHER STATKS. 291 

III. LIABILITIES. 

Losses reported and unadjusted, $5,000 00 

Losses resisted, 3,000 00 

Net amount of unpaid losses, •. $8,000 CO 

Re-insurance on fire risks, one year or less,; $6,980 80 

Re-insurance on risks more than one year, 133,510 01 



Amount required to re-insure all outstanding risks, 140,490 84 

Cash dividends to policy holders remaining unpaid, 1.000 00 

Total liabilities, $140,41)0 84 

Surplus, 58,570 45 



Total liabilities, including surplus, $208,001 29 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, $61,072 50 

Deduct re-insurance, rebate, abatements and return 

premiums, 2, 338 98 



Actual cash premiums, $59,333 52 

From interest on mortgages, 422 50 

From interest on loans and dividends on stocks and bonds, 9,066 65 

From all other sources, 3,557 96 

Actual cash income, $72,980 63 

V. EXPENDITURES DURING THE YEAR, 
Amount paid for losses, (including $4,264 33 occurring in pre- 
vious years), $50,612 50 

Cash dividends 6,727 93 

Commissions or brokerage, 8,571 05 

Salaries and fees, 6,966 43 

Taxes, 1,240 18 

All other payments and expenses, 4,754 40 



Actual cash expenditures, $78,872 49 



VI. MISCELLANEOUS. 



Premiums. 



Risks in force having not more than one year to 

run, $1,316,122 00 $13,961 61 

Having more than one and not more than three 

years to run, 1,191,653 00 18,480 27 

Having more than three years to run, 16,112,955 00 248,539 81 



$18,620,730 00 $280,981 69 

Losses paid since the Company organized, 1,183,958 99 

Business in Connecticut in 1874. 

Fire risks taken (no inland,) $512,175 00 

Premiums received on same, 4,010 22 

Losses paid, 24 29 



MARINE 

INSURANCE GO'S OF OTHER STATES. 



ABSTRACTS COMPILED FROM THEIR ANNUAL STATE- 
MENTS, SHOWING THEIR CONDITION ON THE 
31st DAY OF DECEMBER, 1874. 



mercantile; mutual insurance company. 

New York City, 

Commenced Business, April,, 1842. 

Ellwood Walter, President. 0. J. Despard, Secretary. 

Attorney in Connecticut, C. C. Kimbale. Hartford. 



I. CAPITAL. 
Capital actually paid up in cash, ,... ..••• $500,000 CO 

II. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value 

U. S. Stoces : — 

U. S. 5-20's 1865, $23,000 00 $27,140 00 

Municipal Bonds: — 

New York City, G per c, 1887, 20,000 00 20.00o 00 

Railrdad Slocks : — 

New York Central & H. River, 75,000 00 76,500 00 

Railroad Bonds : — 

Indianapolis and Vincennes, 20,000 00 15,000 00 

C. C. & I. C, 1,000 00 700 00 

New Jersey Central 15,000 00 15,600 00 

Bank Stocks : — 

Bank of the Republic, 10,000 00 10.400 00 

Bank of America, 7,000 00 10,360 00 

Batik of Commerce, 10,000 00 11,800 00 

Bank of New York, 2,500 00 3.100 00 

Bank of State of New York, 10,000 00 11,100 00 

PhenixBanic, 1,000 00 980 00 

Metropolitan Bank. 5,000 00 0,750 00 

Merchants Bank, 10,000 00 11,800 00 

Hanover Bank, 10,000 00 0,500 00 

Manhattan Bank 15.000 00 22,500 00 



296 



MARINE INSURANCK 



Par Value. 

I 

Continenta] Bank $9,00 

Union Bank L,0 

St. Nicholas Ban] 11,000 00 

Gall itin N ktion d Bank 6,700 00 

Marine Bank, 1,700 00 

Park Bank 10,000 00 

American Exchange Bank 10,200 00 

-kous : — 

Williamsburgh Gas Light Co 10,350 00 

Williamsburg Gaa Light Co., scrip, 13,000 00 

Coast Wrecking Co,, 10,000 00 

Mercantile Mutual Ins. Co., 15,500 00 

Total $338,960 00 



Market Value. 

$8,1< 

1,860 00 
12,100 00 

2,040 00 

10 00 

11,028 00 

22,072 00 
13,000 00 

•i 00 

15,500 00 

$307,130 00 $307,130 00 



Loans on Collate ral. 



Par 

Value. 

Ind. &VincenneaB, B $5,000 00 

U S Gperc.bond 1,000 00 


Market 
Value. 

it) 00 

1,118 00 

9,040 00 

18,880 00 

2,280 00 

9,440 00 

2,231 00 

1,030 00 

1,350 00 


Amount 
Loaned. 

$4,000 00 

800 00 

' 00 

15.250 00 

2,000 00 

8,000 00 

1,000 00 

500 00 

1.100 00 




Continental Insurance Co., .. 8.000 00 
U S bonds 1805 10.000 00 




American Exchange Bank, ... 2.000 00 

U. S. bonds 1805 8.000 00 

Fourth National Bank 2,300 00 

Albany & Susquehanna B. E 1,000 00 
Atlantic Mut. Insurance Co., 1.500 00 




Total *4 4,800 00 


$49,269 00 

n bank 


$39,050 00 


$39,650 00 
737 49 

5 ! - 


Cash in Company's principal office, and ] 
Interest due and accrued on stocks 






480 74 


Net Premiums in course of collection,... 






159.195 42 








304.0)4 47 
38,242 00 


All other property belonging to the Company, 





Assets of the Company at their actual value, $997,502 02 



III. LIABILITIES. 

Losses adjusted and unpaid, $2,173 00 

Losses reported and unadjusted. 80,839 00 



Net amount of unpaid losses, 

Amount required to re insure all outstanding risks. 
Cash dividends to stockholders remaining unpaid... 



$89,012 00 
224,717 79 

14.45 7 18 



Total liabilities except capital stook $ :; - v 186 97 

Capital stock 500,( 

Surplus beyond capital 109,375 05 

Total liabilities including capital and surplus $997,502 62 



COMPANIES OF OTHKK STATES. 297 

IV. INCOME DURING THE YEAR. 

Premiums received in cash, $1,441,453 55 

Deduct re-insurance, rebate, abatements and return 

premiums, 375,332 85 

Actual cash premiums , $1,000,120 70 

From interest on loans and dividends on stocks and bonds, 23,257 21 

From all other sources, 6,3G5 ( J2 

Bills and notes for unpaid premiums, $304,644 47 



Actual cash income, $1,095,743 83 



V. EXPENDITURES DURING THE YEAR, 

Amount paid for losses, $888,380 80 

Deduct salvages etc., 07,798 17 



Net amount paid for losses, $820,582 G3 

Cash dividends, 45,000 00 

Commissions or brokerage 60,483 134 

Salaries and fees, 73,340 86 

Taxes, 17.886 45 



Actual cash expenditures, $1,023,299 88 

VI. MISCELLANEOUS. 

Marine. Premiums. 

Risks in force 85,738,534 09 $224,717 28 

Premiums received since the organization of the Company 35.2S3,178 11 

Losses paid since the Company organized, 26.860.529 18 

Cash dividends paid stockholders, since 1857, 1,304,608 28 

Stock owned by directors at date, 113,050 00 

38 






V.AKLNK INSURANCE 



PACIFIC MUTUAL MARINE INSURANCE COMPANY. 

v Yor.K City. 
Commenced Business January, 1855. 
John K. Mykks. President. Thomas Hale, Secretary. 

Attorney in Connecticut, C. W. Preston, Hartford, 



II. ASSETS. 
Stocks and bonds owned by the Company. 

Par Value. Market Value. 

U. S. and State Stocks: — 

U. S. 10-40's, coupon, |8,000 00 |9,210 00 

U. S. 10-40's, registered, 200,000 00 229,f>00 0) 

U. S. 5-20's, reg. 1865 new 100.000 00 117,375 00 

South Carolina coupon bonds, 20,000 00 3,075 00 

Bank Stocks: — 

American Exchange National, 10,000 00 11,400 00 

Bank of the Metropolis, 5,000 00 4,750 00 

Bank of North America. 8,500 00 8.075 00 

Central National Bank. G : 700 00 G,730 00 

National Bank of Commerce, 10,000 00 11,830 00 

Municpal Bonos : — 

Brooklyn cerificates of indebtedness. 20.000 00 20,000 00 

Delaware & Hudson Canal Co., 10,000 00 10,000 00 

Coast Wrecking Co., 7,500 00 1,875 00 

Delaware & Hudson Canal C, 20,800 00 31,289 00 

International Ocean Telegraph Co.,. 2,500 00 2,500 00 

N. Y. Merch. Ex. News Association,. 1,000 00 1,000 00 

Total, 8436,000 00 $409,499 00 $4C9,49S 00 



Loans on Collateral. 



Par 

Value. 

Home Insurance Co., $11,500 00 

Oen. \\. B. 6perc. '83. 5,000 00 

U.8. 5-20's, reg. bonds '< 00 00 

Harlem Bank 2,500 oo 

lion a] Bank 17,500 00 



Market 

Value. 

$12,075 00 

4.000 (i0 
11.075 00 
00 00 >^ 
16.975 oof 



Amount 
Loaned. 

$7,030 00 

4,000 00 

10,000 00 

15,000 00 



OOMPANIES OF OTHER STATES. 299 

Fourth National Bank $72,500 CO $09,000 00^) 

Union Ferry Co 1,000 00 1,800 00 j 

Central National Bank, 10,000 00 10,000 00 | 

Lamar Fire Insurance Co.,. 1,000 00 1,000 00 j 

Safeguard Fire. Ins. Co.,.. 5,000 00 5,000 00 | 

Continental Insurance Co., 2,000 00 2,100 00 I 

Resolute Fire Ins. Co., 2,000 00 1,800 00 ' 

Nassau Fire Ins. Co., 1,000 00 2,000 00 

Guardian Fire Ins. Co...... 5,000 00 +.500 00 

Atlantic Ins. Co 3,000 00 3,150 00 

Sterling Fire Ins. Co., 3,000 00 2,850 00 j 

Farragut Fire Insuranc Co. 7,500 00 7,875 00 

Ridge wood Insurance Co.,. 2,000 00 1,900 00 J 

Importers. & Traders B'k, . 2,000 00 3,800 00') 

Merchants Rank, 1,000 00 1,170 00 | 

Union Bank ; 1,000 00 1.300 00 

Del. & Hudson Canal Co.... 10.700 00 12,492 25 { 

U. S. Trust Co., 1,000 00 4,000 00 j 

U. S. Life Ins. Co 0,250 00 10,000 00 ; 

Guardian Fire Ins. Co. 3,000 00 2,700 00 j 

Importers & Traders Ins. Co 3.800 00 3,800 00^ 

Metropolitan Nat. Bank,... 30,000 00 39.300 00 33 000 00 

Erie R. R. 3d mort. bonds, 2,000 00 2,000 00 1,500 00 

U. S. 5.20's, coup. 1808 5,000 00 0,012 50 5,000 00 

Erie R. R. 3d mort. bonds, 2,000 00 2,000 00 \ 

Continental B'k, Note Co.,. 5,000 00 2,000 00) 

U. S. 5.20's, coup. '05 new, 300 00 302 02 300 00 



28,000 00 



2,000 00 



Total, 8235,150 00 $252,137 37 $193,300 00 .$193,300 00 

Cash in Company's principal office, 1,434 95 

Cash deposited in bank 153,030 00 

Interest due and accrued on stocks, 2,403 00 

Net premiums in course of collection, 17,09G 88 

Bi Is reseivable, 95,125 03 

All other property belonging to the Company, 87,872 20 



Assets of the Company at their actual value, $1,020,307 78 



III. LIABILITIES. 

Net amount of unpaid losses, $104,700 00 

Amount required tore-insure all outstanding risks, --.973 19 

Unused portion of subscription notes, 30,400 22 

Principal on unpaid scrip 11,575 00 

Interest due and declared, remaining unpaid, 9,827 40 

Due for salaries. &c, 4,000 00 

All other demands against the Company, , 10,434 99 

Total liabilities. $259,916 80 

Surplus, 700,450 98 



Total liabilities including surplus... $1,020,301 



r 8 



300 MA KINK INSURANCE COMPANIES OF OTHER STATES. 

IV. INCOME Dl BING THE YEAR. 

Premiums receive! in cash $64 

Deda -t re mente and return 

ttiums, 200,357 43 



Actual cash premiums 

From interest on loans and dividends on stocks and bonds. 61,782 11 



Actual cash income, $512,234 70 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, $271,222 01 

Deduct salvages, &c, 07,000 36 



Net amount paid for losses $203,520 25 

Cash dividends, 40.210 ."0 

Scrip or certificates of profits redeemed in cash, 1 1,820 00 

Commissions or brokerage, 30,762 08 

S daries and fees, 66,686 25 

Taxes, 12,920 77 

All other payments and expenses, 48,344 39 



Actual cash expenditures, $444,270 24 

IV. MISCELLANEOUS. 

To Policyholders. 
Scrip dividends declared to date, $2,578,030 
Deduct amount redeemed in cash, 

forfeited, purchased etc., 1,880,7,00 

Balance deliverable,. $007,440 

Scrip dividends declared on participating premiums. $07,200 00 

M irked-off premiums, on scrip dividends, 1!>2,000 00 

Limit of scrip accumulation, 500,000 00 

Premiums. 

Net amount of risks in force, $5,680,272 00 $78,642 02 

Premiums received since the organization of the Company 18,752,168 47 

L >sses paid since the organization of the Company, 8,077.700 75 

Loaned to directors 141,500 00 



/>'■ iinett in Connecticut in 1874. 

Marino risks taken $003,410 00 

Premiums received on same, 3,000 13 

Losses incurred, 293 54 



METROPOLITAN PLATE GLASS INSURANCE COMPANY 

Nev York City, 
Commenced Business April, 1874. 
Henry Harteau, President. Thomas S. Thorp, Secretary. 

Attorney in Connecticut, S. Chapman, Jr., Hartford. 



I. CAPITAL. 

Capital actually paid up in cash $100,000 00 

II. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks : — 

U. S. 5-20's, reg. 1865, new $60,000 00 $70,350 00 

U. S. coupons, 1865, 23,800 00 28,768 25 



Total, $83,800 00 $90,118 25 $99,118 25 

Cash in Company's principal office, 80 89 

Cash deposited in bank, ,..,, 8,461 40 

Interest due and accrued on cash in Savings Bank,..,...., , 90 00 

Net premiums in course of collection, 1,719 89 



Assets of the Company at their actual value, ;.....,.... $109,470 43 

III. LIABILITIES. 



Net amount of unpaid losses, ,.. 

Amount required to re-insure all outstanding risks. 
Due and accrued for salaries, rent. &c , 



Total liabilities except capital stock, 

Capital stock ; 

Surplus beyond capital. ; 



Total liabilities, including capital and surplus, 



378 


00 


4,729 


80 


2.668 


28 


$7,776 


08 


100.000 


00 


1,694 


35 


$109,470 


*3 



302 PLATE GLASS tNSUHANCE COMPANY. 

IV. IV <>Mi: DURING THE \ I 

Premiums received Ln oash $19,090 94 

Deduct re-inSuranoe, rebate, abatements and return 
premiums 1,107 83 

ia1 oash premiums $17,983 11 

Prom interest on loans and dividends on stocks and bonds 5,599 '.'1 

From all other sources 



Actual cash income, $23,641 34 

V. EXPENDITURES DURING THE YEAR. 

Net. amount paid for losses 761 07 

Commissions or brokerage, L'.078 10 

Salaries andfees 8,423 07 

All other payments and expenses, 



Actual cash expenditures, $15,149 95 

VI. MISCELLANEOUS. 

Premiums. 

Risks in force 8.').">2,0G1 00 $18,919 21 

Premiums received since the organization of the Company, 20,810 83 

L >sses paid since the organization of the Company, 2.701 07 

Stock owned by directors at date 00 00 

Business in Connecticut in 1874. 

Risks taken 726 00 

Premiums received on same, 200 07 

No losses. 



FOREIGN FIRE INSURANCE COMPANIES 



ABSTRACTS COMPILED FROM THEIR ANNUAL STATE- 
MENTS, SHOWING THEIR CONDITION ON THE 
31st DAY OF DECEMBER, 1874. 



COMMERCIAL UNION ASSURANCE COMPANY. 

London, England, 

Commenced Business October, 1861, 

William Lease, Chairman. Alexander Sutherland, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash, £250,000 

II. ASSETS. 

Real estate owned by the Company unencumbered, £57,400 

Loans on bonds and mortgages (first liens). 1+4,850 

Stocks and Bonds owned by the Company. 

Cost Value. Stock Value. 

Consols, £37,096 9 5 £40,000 

New 3 per cents. , 36,642 1(5 8 40,000 

Reduced per cents 18,507 10 20,000 

New South Wales bonds, 2,887 10 3,000 

Brazilian bonds, 9,118 15 10,000 o 

United States 5-20's 1867, 86,659 8 85,000 

United States 5-20's 1865, 25,988 4 9 25,000 

U. S. New Funded loan, 1881,... 24.245 10 23,000 

Canada 5 per c, 10,030 10,400 

Canada Dominion stock. 20,618 11 4 20,000 

Gt. South India Railway stock... 25,000 25,000 

Scinde, Punjaub & Delhi R. R., 19,558 1 9 19,200 

Gt. India Peninsular R. R., 18,752 13 11 17,640 

East India R. R., 5,567 17 6 5,000 

Gt Western of Canada R. R...... 10,450 4 10 10,000 

Gt, Western of Canada R, R.,... 15,808 7 4 15,000 

Pennsylvania R. R., 10,800 12,000 

Philadelphia & Reading R. R,,.. 6,672 10 10,000 

South Eastern R .R. debentures. 5,557 14 3 5,000 

Midland R, R. debentures, 5,000 5,000 

W. Hartlepool R. R. debentures 7,487 1 6 8,000 

Lan. & Yorkshire R.R, debent, . 2.786 3 3 2,800 o 
89 



FOKKIGM F1RK 

I nine. 8 . Value. 

I B : 

•ixlull Water C i - 10,000 

Ceylon I 

bridge debentures 24,123 1 1<> 24,123 l 10 

. 11. 927 741) I 749 10 10 

Bahi ba 1,61 19 - 



Total £451,849 11 12 I £451,849 10 9 

All other loans 277,528 

Gash in Coi irinoipal office 'j 4 

sited in Bank 136,488 3 9 

Interest (V: bocks 19 

Net premiums in doe course of collection. 102,484 17 7 

19 5 

All other property belonging to the Company 1,863 19 7 



- ts of the Company at their actual value, £1,152,062 

III. LIABILITIES. 

Net amount of unpaid losses, £02.012 3 7 

Re-insurance on risks, one year or le-s $149,872 

Reinsurance at 1U0 per c, on marine risks. 194,169 

Amount required to re-insure all outstanding risks 344,041 

Re-insurance fund under the life insurance department 351,159 9 2 

Cash dividends remaining unpaid. I 12 6 

Due and accrued for salaries. £c 1.000 

All other demands against the Company 13,579 



Total liabilities, except capital stock, £771.880 11 

Capital stock. 250,1 

Surplus beyond capital 130,232 2 

tl liabilities, including capital and surplus £1,152,062 I 



IV. INCOME \ THE YEAR. 

Marine 
Actual cash premiums £310,214 3 8£ 25,308 1 8 

Erom all other Bources 44,392 14 '.> 



Total fire and marine income, £669,700 K> 6 

Total life income 74,729 1!' 5 



Actual cash income 15 10 



V. EXPENDITURES DURING ill 

ae. 

£451,709 15 9 

\ 81,235 2 G 

58,831 12 1<> 



INSURANCE COMPANIES. 307 

Salaries and fees, £29,275 I 

All other payments <md expenses, 23,396 2 3 

Total fire and marine expenditures, £594,447 13 5 

Total life expenditures 52,38(5 8 7 



Actual cash expenditures, £646,834 2 



VI. MISCELLANEOUS. 

Premium?. 

Risks in force December 31, 1873 £54,746,028 £299,743 

Marine Premium;?. 

£7,181,696 £194,169 

Premiums received since the organization of the Company, 4,757,205 

Losses paid since the Company organized, 2,792.971 

Cash dividends paid stockholders, 240,250 

Stock owned by directors at date, 29,535 



UNITED STATES BRANCH COMMERCIAL UNION. 

Managers in the United States, Aleiger Brothers, 10 Pine St., New York. 

Commenced Business in the U. S., January 1871. 

Attorney in Connecticut, Silas Chapman, Jr,, Hartford. 



II. ASSETS. 

Stocks and Bonds owned by the Company, 

Pur Value. Market Value. 

U. S. and State Stocks: — 

U. S. 5-20's $300,000 00 £351,000 00 

U. S 5's 1881, new, 200,000 00 224.000 00 



Total. $500,000 00 $578.000 00 $578,000 00 

Cash in Company's principal office. 9,805 87 

Cash deposited in Bank, 30,147 89 

Net premiums in course of collection 113,593 61 

All other property belonging to the Company, 1,500 00 



Assets of the Company at their actual value, $739,107 37 



308 FOKKIGN KIRK 

III. I.lAlill.liII 

Losses adjusted and anpaid $14,556 61 

- reported and unadjusted, 12,970 00 

Losses resisted 4,190 60 



Total |31 } 717 21 

Deduct re-insurance Ac, 750 00 



Net amount of unpaid losses $30,967 l!1 

Ile-insuranee on tire risks, one year or loss $307,992 19 

Re-insurance on risks more than one year, Ki.i)27 CO 

Amount required to re-insure all outstanding risks. 324.919 7!' 



Total liabilities, 7 00 

Surplus, 383,220 :;7 



Total liabilities, including surplus $739,107 37 

IV. INCOME DURING- THE YEAH. 

Premiums received in cash, $868,781 35 

Deduct re-insurance, rebate, abatements, and return 

premiums, 112,428 20 



Actual 3ash income, $756,353 1"> 

V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $27,811 69 occur- 
ring in previous years,) $430,493 ol 

Deduct salvage &c, 50, (Jilt 63 



Net amount paid for losses, $379,798 68 

Commissions or brokerage, 113,452 96 

Salaries, fees. &c, 56,508 19 

Taxes, 19,741 81 



Actual cash expenditures $569,501 64 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year 

to run, $46,634,508 00 $615,984 88 

Having more than one and not more than three 

years to run, 1,151,534 00 14,201 <i<; 

Having more than three years to run 642,070 00 9,324 82 



| 18, 128,1 12 00 $639,510 8G 

Premiums received since the organization of the Company, 2,242,530 00 

Losses paid since the Company organized , 1,325,690 35 

Business in Connecticut in i*7t. 

Fire risks taken (no inland), $1,661,639 00 

Premiums received on same 28,938 46 

Lossespaid, 19,154 90 



INSURANCE COMPANIES. 309 

HAMBURG-BREMEN FIRE INSURANCE COMPANY. 

Hamburg, Germany. 

Commenced Business February, 1854. 

Wm. Gossler, President. Alfred Klakhold, Managing Director. 



I. CAPITAL. 

Capital actually paid up in cash $323,400 00 

II. ASSETS. 

Loans on bonds and mortgages (first liens), $88,220 00 

Value of land moitgaged, $100,181 81 

Buildings, 101,338 15 



#261,519 90 



Stocks and Bonds oioned by the Company. 

Par Value. Market Vahte. 

U. S. registered loan, 1802, $100,000 00 $181,000 00 

U. S. registered loan, 1805. 80,000 00 1)2,000 00 

Norddentsche Bank stock, 30,318 00 41,740 10 

Vereins Bank stock, 2,425 00 2,829 75 

Hamburg Gouernment bonds, 1866, 7.762 00 8,382 53 

Bonds of the Hamburg loan Bank, . 20,213 00 18,797 62 

Count Heiikel Funded loan, 1,617 00 1,617 00 

Sundry German K B. bonds, 84,893 00 72,376 92 

North Lloyd bonds, 17,903 00 17,275 91 



Total, $405,131 00 $436,619 89 436,619 89 

Cash in Company's principal office, 1 , 383 83 

Cash deposited in Bank, -. 203 477 11 

Net premiums in course of collection, , , 36^702 77 

Bills of exchange, 104,644 09 



Assets of the Company at their actual value, $871,053 79 

III. LIABILITIES. 

Losses reported and unadjusted, $40,764 18 

Losses resisted, ■. , 3,274 18 



Total $44,038 36 

Deduct re-insurance &c., 18,080 60 



Net amount of unpaid losses, $25 957 76 



310 kokkign pirk 

^245,908 L0 

I ;.. ; ig 9£ 



Amount reqai insure all outstandii 
Cash divid id 

ther Companies f<>r re-insurance 

All othei demands against the ( lompany 71.-, 45 



Total liabilities oxoept capital stock - ...<i j-j 

( ''!> it;l1 Btoc* .400 00 

Surplus beyond capital 151 ( 



Dotal liabilities, including capital and surplus 

IV. INCOME DURING THE Y 

Premiums received in cash. .— • ; < • 7 . — 7 > ■ 

Deduct re-insurance, rebate, abatements and return 

premiums 286,783 



Actual cash premiums 

Interest and dividends* from all other sources, 

Actual cash income. £;H 7. •■:!•; L'l 

V. EXPEXDlTi'EES DUBING THE YEAK. 

Amount paid for losses _ »;;> 

Deduct salvage etc 177,950 07 



Xet amount paid for losses, >l(!E7 v - 58 

dividends _ ,72 

Commissions or brokerage, 19 18 

Salaries and fees 46,7 

Taxes 3,344 4S 



Actual cash expenditures. $27 . 



VI. MISCELLANlv 



Premiums. 



Bisks in force having not more than one year to 

rnu. $44,170,472 -■:"-. 92 06 

Hiving more than one and not more than three 

yearstorun 3,807,077 <><> 14,12 

Having more than three years to run, 1.631,605 no 



?i;i .;.■■.». 1:. I 00 *•_".• 1.: 

Premiums rganixation of the Company 2,€ 

: I since the Company organized 1,543.631 86 

lividends paid stockholders 

.v. ued by directors at date. 18,352 

i in gold in New York for security of ] >oli yholders ,1 <><> 00 



INSURANCE COMPANIES. 'M [ 



UNITED STATES HUAXCII HAMBURG-BREMEN. 

Manager in the United States, Sophus von Dokrien, 178 Broad way, New York. 

Commenced Business in the IT. S., January. 1855. 

Attorney in Connecticut, C. M. Webster. Hartford, 



II. ASSETS. 

Stocks and Bonds Owned hy the Company. 

ParValne. Market Value. 
U. S. Stocks : — 

U. S registered loan. 1862, $160,000 00 $183,200 00 

U. S. registered loan, 1865, 34,000 00 40,077 50 

IT. S. registered loan, 1865, 86,000 00 100,835 00 

U. S. registered loan, 1867. 30,000 00 85.512 50 



Total, 8^10,000 00 $359,625 00 $350,625 00 

Cash deposited in Bank, 65,010 42 

Net premiums in course of collection, 33.304 87 



Assets of the Company at their actual value, $457,040 20 

III. LIABILITIES. 

Losses reported and unadjusted. $4,000 00 

Re-insurance on fire risks, one year or less, $156,717 74 

Re-insurance on risks, more than on year, 12,657 70 

Amount required to re-insure all outstanding risks, 160,375 53 

All other demands against the company, 384 13 



Total liabilities, $173,750 66 

Surplus. 284,189 63 



Total liabilities including surplus, $457,040 20 



IV. INCOME DURING THE YEAR. 

Premiums received in cash $412,768 44 

Deduct re-insurance, rebate, abatements and return 

premiums 30,101 60 



Actual cash premiums $373,666 84 

From interest on loans and dividends on stocks and bonds, 10,515 81 



Actual cash income, $393,182 65 



312 FOREIGN FIRK 

V. BXPEND1 CUBES DURING THE STEAK. 

Amount paid for losses, (including $18,268 66 occurring in pre- 
vious yens $158,248 90 

Commissions or brokerage, 67,98 l 86 

Salaries and fees 1 1,672 8 I 

Taxes 4,962 ll 

All other payments and expenses, L8,713 L5 



Actual cash expenditures $201,580 82 

VI. MISCELLANEOUS. 

Premiums, 

Risks in force having not more than one year to 

run, $27,808,058 00 $313,435 48 

Having more than one and not more than three 

years to run 097,281 00 10,088 68 

Having more than three years to run. 380,791 00 2,509 11 



$28,746,780 00 $320,093 27 



Business in Connecticut in 1874. 

Fire risks taken, $250,933 33 

Premiums received on same, 2,022 94 

Losses paid, !i ' '» 07 



[NSURANCE COMPANIES. 313 



IMPERIAL FIRE INSURANCE COMPANY. 

London, England. 

Commenced Business, 1803. 

William Bubnley HuatE, Chairman. Ed ward Cozens Smith. Secretary. 



I. CAPITAL. 

Capital actually paid up in cash, £700.000 

II. ASSETS. 

Real Estate owned by the Company unencumbered, £88,808 18 7 

Loans on bond and mortgage, (first liens), 31, 885 

Stocks and Bonds owned by the Company. 

Par Value. Market Value 

U. S. 5-'20's, $210,100 00 £50,510 

U. S. 10-10's, 320,000 00 66,560 

United Consolidated debt 77,000 00 16,405 

Alabama bonds. 10.000 00 993 

Tennessee bonds, 20,000 00 1,810 

South Carolina bonds, 20,000 00 3,018 

Virginia bonds, funded debt, . 57,333 33 5,015 6 

Virginia debt. 28,666 67 3,000 

Canadian Dominion stock, 50,100 00 10,533 12 

Brazilian (debt) stock, rs 11,000 00 1,025 5 11 

Baden stock, 1160,000 00 1.292 6 

Bavarian bonds, 50,000 00 1.128 5 

Dutch Inscriptions, 100,000 00 7,916 13 4 

Russian Government loan,.... th 2,000 00 288 18 9 

Los Kaufchine stock, rs 29,850 00 3,179 6 6 

Steiglitz loan, 20,000 00 2,238 3 9 

Premium loan, 100 00 18 

Government Scrip. Russian.... 52 16 6 12 

New Zealand consols, £10,000 0- %) 10,450 

Mauritius bonds, 2,000 0. 2,110 

Prince Edward Island bonds, 5,000 5,100 

South Australian bonds, 3,000 3,225 

Montreal debentures, 250 225 

40 



314 

Canad i [nsoribed stock, 

Canada guaranteed loan 

Consols 

cents, 

Bank stoek 

Oity bon 1 - 

Loudon A Si. Katii. dock bds. 

Jersey do :k bonds 

(it. Eastern K. R. debentures, 
London A Southwestern deb,, 

Met ropolil an debentures, 

Southeastern debentures 

Gt. No. K. R. perpetual debeu 
London & Southwestern per- 
petual mort. or debenture, .. 
East India 11. R. oonsol. stock 
I. ■■ India R. R. guar. 5 per c 
Gt. East. R. 11. new 5 per c.,. 
Gt. East. "A" debent. 5 per c. 
Gt. North. R. R. per. pref.. '66 
Gt "West, consol. 5 per c. pref 
London & Brighton, 44 per c., 

perpetual debenture. 

London £ Northwestern 11. K. 

1 per c., preference stock, .. 

London & Southwestern R. 11. 

4t preference stock, 18G.~>, ... 

North Eastern R. R. 4 per c, 

consolidated pief. stock. 

Gt. Western R. R. ~> per c, 

rent charge, 

Penins. & Oriental Steam Co., 

Imperial Ins Go 

Loan to Nat. Discount Co, call 

L°;iseholds, 

Loans on personal security,.... 



FOKEIG] 


V FJKE 






tin. (Kio 








£10,555 








68,000 








65,047 


10 


') 


94,602 


14 


4 


B6,916 


4 


9 


219,515 


12 


5 




1 5 


:♦ 


50,000 





o 


45,750 








10,000 








25,800 
















58,472 


10 





27,500 








27,675 








15,000 








15.150 








15,000 








15,000 








20,< 








20,000 








2."). 000 








2.".. 000 








24,000 








24,000 








56,500 








57,065 








10,000 





g 


10,000 








15,000 








L6,837 


10 





10,000 








L0,650 








3,000 








3,000 








2,000 








2.270 





II 


3,541 








3,983 


13 


6 


7.000 








8,015 









2.000 2,120 

3,G00 4,194 

1,000 1,035. 

4.000 3.800 

3,000 3,495 

12,000 12,500 

750 2,430 

5,000 

11,581 18 3 

10,000 



Total, 



£990.123 5 £090.123 



C ish in Company's principal office 

Cash deposited in bank 

Net Premiums in course of collection 

Rills Receivable, not matured, for fire risks 

Bills Receivable, past due, for fire, marine and inland risks,... 

Assets of the Company nt their actual value, £1,322,552 19 5 



4"M 5 


7 


14,016 8 





173,468 15 


1 


21,544 14 


8 


1,779 12 


G 



INSURANCE COMPANIES. 315 

III. LIABILITIES. 



Bills payable, not yet due, 

Net amount of unpaid losses, 

Amount required to re insure all outstanding risks, 
Cash dividends to stockholders remaining unpaid,.. 

Due and accrued for salaries &c, 

All other demands against the Company, 



£2,656 


1 


150,555 





225,233 10 





1,471 11 


6 


33,198 2 





2,411 17 


5 



Total liabilities except capital stock, £415, 526 1 

Capital stock, 700,000 

Surplus beyond capital, 207,026 18 5 

Total liabilities including capital and surplus £1,322,552 19 5 

IV. INCOME DURING THE YEAR. 

Net cash premiums, £682,526 10 5 

Interest and dividends from all other sources, 45,294 12 8 



Actual cash income, £727,821 3 1 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, £ 

Cash dividends 

Bad debts written off, 

Commissions or brokerage, 

Salaries and fees 

Taxes, 

All other payments and expenses. 

Actual cash expenditures, £656,432 9 7 

VI. MISCELLANEOUS. 

Premiums. 

Risks in force, £182,095,042 £682,526 10 5 

Premiums received since the organization of the Company, ■. 9,160,617 

Losses paid since the Company organized, 5,221,585 

Dividends declared since the Company commenced business,... 1,850,400 

Stock owned by directors at date, 23,050 



375,335 2 


6 


60,000 





1,153 19 


8 


102,748 7 


3 


27,157 13 


Ki 


6,728 18 


3 


83,308 8 


1 



31 1) FORKIGN iii;K 



[JNITED STATES BKANCH IMPERIAL. 
Managers in thi United States, Edoab W. Obowell, Nob. 40 A 44 Pine St. N. v. 
Attorney in Connecticut, C. C. Kimball. Hartford. 



II. ASSETS. 

Stocks and bonds owned by the Company, 

Par Value. Market Value. 

U. S. and State Stocks : — 

U. S. 10-40's, $212,000 00 f242,740 00 

" 5's, 1881, 10,000 00 11,387 50 

•' 5-20's 18(57, 300 00 354*75 

" 5-20's, 18G7, 57,000 00 67,402 50 

'• 5.20*8, 1868 43,000 00 50,847 50 

'• 10-40's, reg., 38,000 00 43.510 00 

" 5's, 1881, 100,000 00 113,875 00 

' l 10-40's, reg 120,000 00 137,400 00 

" 5-20's, 1867 7,000 00 -.277 50 

" 5-20's, reg., 50.000 00 50,125 00 

Virginia State, 57.300 00 21,774 00 

'• " certs., 28,700 00 3,228 75 

Alabama State, 10,000 00 5,000 00 

Tennessee State, 20,000 00 10,000 00 

South Carolina State, 20.000 00 6,000 00 



Total, $773,800 00 $781,522 50 $781,522 50 

Cash in hands of trustee in New York, 45,000 00 

Ccsh in the Company's principal office, 3,405 25 

Cash deposited in Bank, 27,624 03 

Net premiums in course of collection. 54,128 64 

All other property belonging to the Company, 066 66 

Assets of the Company at their actual value. $012,347 08 



III. LIABILITIES. 

Losses adjusted and unpaid, $10,008 06 

Losses reported and unadjusted, 11,495 48 

Losses resisted 28,943 05 



Net amount of unpaid losses $51,046 59 



INSURANCE COMPANIES. 817 

lte-iusurance on fire risks, one year or less, $253,663 40 

Re-insurance on risks more than one year, 64,984 14 

Amount required to re-insure all outstanding risks, $318,047 54 

Due for salaries, Ac., , ' 1,500 00 



Total liabilities, $371,104 13 

Surplus 541,152 05 

Total liabilities including surplus, $912,347 08 

IV. INCOME DURING THE YEAR 

Premiums received in cash, $020,931 83 

Deduct re-insurance, rebate, abatements and re- 
turn premiums, 118,064 98 

Actual cash premiums, $502,800 85 

From interest on loans and dividends on stocks and bonds, 1,1G7 86 

From all other sources, 18,558 78 



Actual cash income, $522,593 49 

V. EXPENDITURES DURING THE YEAR. 

Net amount paid for losses, $282,117 45 

Commissions or brokerage, 69,162 05 

Salaries and fees, 53,297 36 

Taxes, .* 21,214 51 

All other payments and expenses, i 38,564 60 



Actual cash .expenditures, $464,355 97 

VI. MISCELLANEOUS. 

Premiums 

Risks in force having not more than one year to 

run, $52,111,789 40 $507,320 80 

Having more than one and not more than three 

years to run, 8,329,806 16 123,562 48 

Having more than three years to run 398,128 50 6,405 81 



$60,839,724 06 $637,295 09 

Premiums received since the organation of the Company, 5,552,817 18 

Losses paid since the organization of the Company, 4,137 118 26 



iness in Connecticut in 1874. 

Fire risks taken, $579,975 72 

Premiums received on same, 5,670 00 

paid, 16,965 38 



18 FOREIGN FIB! 



LANCASHIRE INSURANCE COMPANY. 

Manchester. England. 
John Todd, Chairman. Geokoe Stewart, General Manager. 

Commenced Business June, 1852, 



I. CAPITAL. 

Capital actually paid up in cash, $780,700 00 

II. ASSETS. 

Real estate owned by the Company unencumbered $311,381 52 

Loans on bond and mortgage (nrst liens) 841,040 10 

Stocks and bonds oicned by the Company. 

Par Value. Market Value. 

Great Eastern Railway debenture, $50,000 00 052,500*00 

Lincolnshire .£ Yorkshire B. R. debent. 50,000 00 50,500 00 

Manchester & S. June, ft Alpine Ry. de. 50,000 00 51.049 23 

Midland Railway debenture, 75.000 00 7:>.7:>0 00 

Cambrian Railway debenture. 53,450 00 51,840 00 

London & N. Western Ry. preference., 100,000 00 117,000 00 

Midland Railway preference, 50,000 00 57,500 00 

Birmingham Wagon Co., 10,000 00") 

Metropolitan Carriage Co.. 5,000 00 | 

Mersey Docks Board, 100,000 00 f 21 °' 0{K) 00 

Ebbw. Yale Steel Co., 100,000 00 j 

United States Government, 350,000 00 400,500 00 

Canadian Government, 115,000 00 120,750 00 

Total. $1,108,450 00 $1,192,395 23 81,192,395 23 



Loans on Collateral. 

Par Market Amount 

Value. Yaltae. Loaned. 

Brighton Railway, 142,504 $37,825 001 ^., -,,., (M , 

London AN. Western By. B., 14,200 00 16,880 I 

Cambrian Railway, 30.000 00 8,100 00 7,200 0,1 

Total - $49,70 






INSURANCE COMPANIES. 319 

All other loans, $59,910 4o 

Cash deposited in Bank, 81,128 48 

Interest dne and accrued on stocks, 28,313 29 

Net premiums in due course of collection, 277,1*15 50 



Assets of the Company at their actual value, , $2,841,029 52 



III. LIABILITIES. 

Net amount of unpaid losses, $93,513 23 

Amount required to re-insure all outstanding risks, 391,824 81 

Re-insurance fund and other liabilities, except capital, under 

the life insurance or any other special department 1,174,860 35 

Cash dividends unpaid, due or to become due, 77,086 31 



Total liabilities except capital and net surplus, $1,737,284 70 

Joint-stock capital paid up in cash, 780,700 00 

Surplus, 323,044 82 

Total liabilities, including surplus, , $2,841,029 52 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, $1,367,800 60 

Deduct re-insurance, rebate, abatements and re- 
turn premiums, .' 192,326 17 



Actual cash premiums, $1,175,474 43 

From all other sources, 47,966 18 



Actual cash income, , $1,223,440 61 

V. EXPENDITURES DURING THE YEAR. 

Net amount paid for losses (all fire, ) $729,602 56 

Cash dividends 109,605 00 

Commissions or brokerage. 146,174 52 

Salaries and fees. ,. 102,115 58 

All other payments and expenses, 4,652 60 



Actual cash expenditures, $1,092,150 26 



VI. MISCELLANEOUS. 

Premiums received since the organization of the Company $7,817,690 00 

Losses paid since the Cor&pany organized, 4,809.263 00 

Cash dividends paid stockholders 1,056,667 00 

Stock owned by directors at date, 162.950 00 



H20 FOKKIGN FIRK 



UNITED STATES BRANCH LANCASHIRE. 

M r in the United States, Jos. L. Lord, 187 Broadway, New V irk. 

Attorney in Connecticut, W. E. Baker, Hartford. 



II. ASSETS. 

Stocks and Bonds owned by the Company. 

Pir Value. Market Value. 
IT. S. Stocks:— 

U. S. 5-20*8, $200,000 00 $230,500 00 

U. S. Funded Debt 1881. 200,000 00 225,500 00 



Total $400,000 00 $402,000 00 $462,000 00 

('ash deposited in bank 37,136 10 

Net premiums in course of collection, 48,308 79 



Assets of the Company at their actual value, , . . . . $54 7. 443 89 

III. LIABILITIES. 

Losses'adjusted and unpaid. $29,601 00 

Losses reported and unadjusted. 5,300 00 

Losses resisted 7.050 oo 



Net amount of unpaid losses, $42,941 oo 

Re-insurance on fire risks. one year or less, $200,292 4o 

He insurance on risks more than one year, 39,227 00 



Amount required to re-insure all outstanding risks $239,519 40 

Taxes, 2.000 00 



Total liabilities, $284,460 40 

Surplus, 262,983 40 

Total liabilities, including surplus $547,443 89 



IV. INCOME DU1UNG THE YEAB. 

Premiums received in cash, $664,753 73 

Dednojl re-insurance, rebate, abatements and return 
premiums 100.25(1 os 

Actual cash income $558,497 ('<■ 



ixsriiANCK. companies. 32 L 

V. EXPENDITURES DURING THE YEAR. 

Net amount paid for losses $100,770 7'1 

Commissions or brokerage, 111,474 10 

Taxes 7,604 22 

All other pa3'inents and expenses, " 10,043 22 



Actual cash expenditures, $301,792 26 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run, $34,425,590 00 $400,584 80 

Having more than one and not more than three 

years to run 3,709,292 00 48,202 23 

Having more than three years to run. 1,517,233 00 21,937 77 



$39,712,121 00 $470,724 80 

Premiums received since the organization of the Company, 1.801,354 00 

Losses paid siace the organization of the Company, . 188,207 00 



Business in Connecticut in 1874. 

Risks taken, $1,303,371 00 

Premiums received on same, 19,001 72 

Losses paid, , 1.850 51 



LIVERPOOL AND LONDON AND GLOJ3E 
INSURANCE COMPANY, 

Liverpool, England. 
Commenced Business June. 1830. 
Thomas Brocklebank, President Henry Thompson, Resident Secretar 



I. CAPITAL. 

Capital actually paid up in cash $1,228,200 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, $2,874,258 58 

Loans on bonds and mortgage, (first lien,) 4 793 45K 58 

41 



FOREIGN FIRE 

5y the Company. 

Pai Value. Mark 

London & X. Western ordinary ilv. ?44.47^ 

Lond. A X. W.,perp. 5 pro. pref. I 00 7 60 

South rred 376,100 00 477,647 00 

lida. nref. 00 

8. East 5 per c. pref. CI I 60,00) 56,00 

5 per o. pref. 1864 5,000 5,60 

Midland 5 per c, preference^... 50,000 00 00 

North Eastern 5 perc. p i 136,200 00 

North Eastern, Darlington, 6 p 30,001 40,63 

X. East., r. . pref.... 28,680 00 32,2* 

(t. Western 5 per e. oonsolida. pref . 303,625 00 .'U4.014 38 

\ British 4 per o. consolida. pref.. 86,250 00 30,41 

A S. West. :> perc. pref 150,000 00 171.000 00 

Forness 6 per e. preference, 60,000 00 64,50< 

Fnrness 8 per o preference 21,500 00 35,260 00 

G. Eastern 4J perc. preference,... 110,000 00 J25 00 

G Northern 5.per c. permanent pref 21,700 00 24,738 

<i. Northern 5 per e. irredeem. pref 7,500 00 • 50 00 

Brecon & Mertbyr 5 per c. A debent 12,590 00 42,590 00 
ies, Shrewsbury ft X. Wales 

."> percent debentures ." 7.7)00 00 

Mold A Denbigh perpetual B deb.,. 5,260 00 5,260 00 

North Staffordshire 5 per o. pref.... 193,87000 210. 10.", oo 
Manch'r. Sheffield ft Lincolnshire 

4} per cent preference, 106,000 00 112.877) 00 

Manchester. Sheffield & Lincolnshire 

") per c. redeemable preference, . . 150,000 00 157,500 00 

Cambrian 7) perc. debenture #5,000 00 46,125 00 

Midland 7» per c. preference, o 00 97,600 00 

Cambrian ordinary capital, inland, . 3,695 00 9:>7 66 

debenture stock No. 2,.... 87,675 00 7 50 

" " ■• No. 4r 15,795 00 L2,636 00 

pref. capital, 1864, coast,. • 00 1,590 00 

1865, coast. :>:." 00 138 77. 

ordinary capital, coast... . 1.74" -00 

7, p. c. pref. 1863, coast,.. 15,000 00 5,250 00 

1864, coast... 110,000 00 00 00 

ordinary capital, coast.... 67,500 00 i 00 

Brecon ft Merthyr debenture G 2.200 00 1,603 

" ordinary stock. 885 00 177 00 

" 5 perc prefence. ... 85,000 00 34,000 00 

" 5 perc. B, deben.... 49,828 

s. oonsolL pref . 00 22,000 00 

•• debenture. A 9,911 9,910 00 

lisley ordinary 2,050 00 I 

Shrewsbury . ford 6 per c, 

charges 50 00 '1 00 

South East.-rn ordinary preference,. 10 00 114.300 00 

Eastern debenture 215,000 oo 249.400 oo 



INSURANCE COMPANIES, 323 

Par Value. Market Value. 

G. Eastern;', per a, debenture A, .. $100,000 00 $116 v 500 00 

Great Western 5 per c, debenture, 125,000 00 150,625 00 

Great Western rent charge. 126,600 00 145,590 00 

South Devon rent charge. 168,750 00 189,000 00 

Lon. & N. Western 5 per c, pref., ... 4.250 00 4.875 00 

South Eastern preferred debenture,. 49,500 00 59,0 17 50 

Lon. Chatham & Dover Arbit. deb.. 163,540 00 170,899 64 

Lon. Chatham & Dover Arbit, pref.. 5,410 00 3,460 00 

Lon. Chatham & Dover Arbit, ordi.. 5,410 00 1,245 00 

Metropolitan Dist. p. c. perp. deb. 125,000 00 158,667 81 

Greast Eastern Railway debenture. 173,300 00 173.300 00 

North Eastern Railway debenture., 20,000 00 20,000 00 

Great Western Railway debenture., 10,000 00 10,000 00 

London & Blackwall Ry. deben 75,000 00 75,000 00 

Metropolitan Railway debenture., .. 125.000 00 125,000 00 

Ipswick Dock Company's. 67,500 00 67,500 00 

Wear Navigation & Sunderland Dock 100,000 00 100,000 00 

Grand Junction Water Work, 25,000 00 25.000 00 

Mersey Dock & Harbor Board,.... 776,000 00 774,507 00 

Trust & Loan Co. of Upper Canada. 50,000 00 50,000 00 

Great Eastern Railway debentures,. 25,000 00 27,004 83 

Mersey Steel & Iron Cos., deben,.. 250,000 00 250,625 00 

Birkenhead Gas & Water, 12, 500 00 1 2, 688 7 1 

British Government annuties, 3,931 75 3,931 75 

West Hartlepool preference 90,000 00 64,438 13 



Total, $5,602,764 25 $5,832,848 71 $5,832,848 71 

All other loans, 958,920 25 

Cash in Company's principal office, 32 73 

Cash deposited in Bank, f. 873,318 08 

Interest due and accrued, 128,528 83 

Net premiums in due course of collection, 573,901 40 

Annuities, life and reversionary interest purchased by Company,. 1,024,239 14 

All other property belonging to the Company, 5,185,446 05 



Assets of the Company at their actual value, ... $22,244,952 35 



III. LIABILITIES. 

Net amount of unpaid losses, $410,125 00 

Amount required to re-insure all outstanding risks, 2,678,316 40 

Amount re^laimable on perpatual fire policies. 296,792 00 

Cash dividends remaining unpaid, , 3,566 79 

Re-insurance fund under the life insurance department, 12,323,286 85 

All other demands against the Company,- 4,856,583 86 



Total liabilities, except capital stock $20,568,670 90 

Capital stock, 1,228,200 00 

Surplus beyond capital, 427,041 95 



Total liabilities, including capital and surplus, $22,244,952 3; 



324 FOREIGN FIRE 

IV. [NOOME DUBING THE YEAR. 

Gross cash premiums received >(l, 1.11,216 58 

Deduct le-insurancc 207. 550 71 



Net cash received for premiums (all lire), $5,843,664 B7 

Interest and dividends receiv< 1 from other sources. 337,657 98 

Deposit premium received on perpetual tiro ri^ks, $20,270 20 



Actual oash income $6,181,82 

V. EXPENDITURES DURING THE YEAR. 

Net amount paid for losses (all fire). $2,758,524 19 

Commissions or brokerage, 1 , 53 7, 7 85 81 

Taxes, 50,969 64 

Deposit premium returned on perpetual fire risks $19,728 56 

Actual cash expenditures, $4,346,579 64 

VI. MISCELLANEOUS. 

Pramiamn. 

Risks in force December 31, 1873 $1,450,800,270 $5,891,577 93 

Written during the year, 1,411, 942. 8S0 6,111,215 58 



Total, $2,862,743,150 $11,602,798 51 

Deduct those expired and marked off as 
terminated, 1,871,300,775 5,878,610 00 



Gross amoun t in force at the end of the year $ 1 , 59 1,442,375 $ B ,"624 
Deduct amount re-insured, 75.4 1 7,630 267, 



Net amount in force, 4 $1,516,024,74:. $5, 56,682 80 

Premiums received since the organization of the Company, 65,97 t. 760 < ; 7 

Losses paid since the Company organized, 44,409,129 19 

Cash dividends paid stockholders, 8,927,673 16 

Stock owned by directors at date, 247.290 00 

Loaned to officers and directors, 37,500 00 

Loaned to stockholders not officers 98.500 00 



INSURANCE COMPANIES. o25 



UNITED STATES BRANCH LIVERPOOL AND LONDON 

AND GLOBE. 

Manager in the United States, James E. Pulsford, 45 Williams, St. New York. 

Commenced Business in the U. S., 1851. 
Attorney in Connecticut, L. W. Sperry, New Haven. 



II. ASSETS. 

Real estate owned by the Company unencumbered, $ 442, 000 00 

Loans on bond and mortgage, (first liens,) not more than one 

year's interest due, 1 , 23 7, 400 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S and State Stocks: — 

U. S. 5-20's, $600,000 00 $707,618 75 

U.S. 10-40's, 185,000 00 212,056 25 

U. S. Funded debt of 1881, 100,000 00 113,750 00 

U. S. Currency 6's, 365,000 00 429.33125 

U. S. 6's, of 1881, 90,000 00 106,312 50 

South Carolina 6 per c, 20,000 00 6,000 00 

Alabama 5 per c, , 10,000 00 3,800 00 

Mississippi warrants, 20,000 00 17,000 00 

Municipal Bonds : — 

City of Richmond, 8 per c. , 5,000 00 5,000 00 



Total, $1,395,000 00 $1,600,868 75 $1,600,868 75 

All other loans 2,223 65 

Cash deposited in bank, 133.339 30 

Interest due and accrued on collateral loans, 18.431 28 

Net premiums in course of collection, 255,761 18 

Bills receivable, 14,674 54 

All other property belonging to the Company, 2,893 S5 



Assets of the Company at their actual value, $3,707,592 hh 

III. LIABILITIES. 

Losses reported and unadjusted. $142,967 67 

resisted, 97.2^7 54 



Net amount paid for losses, $240,255 21 

Re-insurance on fire risks, one year or less, £1,042,383 33 

Re-insurance on risks, more than on year, 300,348 51 

Amount required to re-insure all outstanding risks, 1,342.731 8t 



FOHKIGN FIRE 

Amount reolaimable on perpetual Are policies, $292,044 .".7 

Eto-insuranoe fand under the life insurance departmenl 109,4 

l'.»tal liabilities $1,084,440 31 

Surplus 1,728,1! 



Total liabilities including surplus. 12 :»:» 

IV. INCOME DURING THE YEAR. 

Premiums received in cash $8,081,125 34 

Deduct re-insurance, rebate, abatements and return 

premiums 372,592 ! - 



Actual cash premiums 

From interest on bonds and mortgages 41,950 74 

From interest on loans and dividends on stocks and bonds. 90,3< '.17 

From all other sources, 4*.n{ ( .» 55 



Actual cash income, $2,888,834 l: 

V. EXPENDITUBES DURING THE YEAH. 
Amount paid for losses, (including $248,567 03 occur- 
ring in previous years. ) $ !l . 1 ."> 4. 5( ;."> 18 

Deduct salvage &c 27,272 87 



Net amount paid for losses, $1,127,292 31 

Commissions or brokerage 385,633 21 

Salaries, fees. &c 187,353 13 

Life expenditures, 13,908 12 

Taxes, 46,966 79 

All other payments and expenses, 130,174 7'.» 



Actual cash expenditures, $l. v . l- • 

VI. MISCELLANEOUS. 

Premium*. 
Bisks in force having not more than one year 

to run $158,522,401 00 $2,058,732 20 

Having more than one and not more than three 

years to run 20,654,861 00 303,387 42 

Having more than three years to run 8,154,056 00 142,187 >>A 

Perpetual risks in force, , 7,741,286 00 26,0341 37 

$195,072,604 00 $2,530,341 72 

Premiums received in the United States since the organization 

of the Company 31,510,7)! 

Losses paid in the United States, since the Company organized. . 20,122,648 09 
Amount deposited in different States for the security of Policy- 
holders in the United States, 77:.. 000 00 

BiMJfMM in VonneeUeui in 1874. 

Fire risks taken (no inland) $2,832,816 48 

Premiums received on same 34,165 26 

Losses paid, : ^ -•» 



] NSU KA NCK C( > M PA N I KS. 



THE CORPORATION OF THE LONDON ASSURANCE. 

London, England. 

Commenced Business A. D. 1720. 

Robert Gillespie. Governor. John Phillip Laurence, Secretory. 



I. CAPITAL. 
Capital actually paid np in cash, £+48.275 

II. ASSETS. 

Loans on bond and mortgage (first lisns), £1.767.330 6 3 

Loans on bond and mortgage upon which more than one year's 

interest is due ' 14,700 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

British Government, £410,000 £375,758 14 13 

East India Co's. , lO^perc.,... 25,000 50.187 10 

U. S. government bonds, 05,000 61,392 10 

Canadian consolidated 5 per c. 10,300 10,815 

Canadian Dominiou, 20,521 18 4 21,958 9 

Madras Railway ("Vs, stock,... 7.000 7,770 

South Eastern Ry. Co's pref,.. 20,000 20,600 
Turkish bonds at 4 per cent 

guart, by England & France 23,900 24,378 o 

City o' London, ,.... 23,000 23,000 

East India Ry. Co's, deben. . . 57,000 o 59,261 15 

Eastern Bengal Ry. Co's, deb. 5,5(50 5.582 10 
Bombay, Baroda & Cen. India 

Co's. debentures, 7.200 7,794 

G. Indian Peninsular Co's deb. 16,500 16,912 10 

Oude & Rokikund Co's, deb,. 1,500 1,560 

Madras Railway Co's, deben.. 72,100 72,100 

G. Eas'ern Ry. Co's. deben. .. 40,000 40,000 

Salisbury & Yeovil Co's, deben 30,000 30,000 

Shropshire Union Co's, deben. 20.000 20,000 

India Government debentures 500 500 



Total £855,02118 4 £819,570 18 3 £849,570 18 3 



FOKK1GN FIRE 

Loans on security of life policies issued by the Company £88,005 o o 

Amount of all other investments mad.' by the Company viz : 

Governnu nt life annuities 

in ( lompany'a principal office in currency 

Cash deposited in Bank 

Interest due and accrued 

Nel premiums in oo olfaction, 

Bills receivable, not matured, for fire, marine and life risks,. 
All other property belonging to the Company, 

Assets of the Company at their actual value £2,824,078 8 1 

III. LIABILITIES. 

Net amount of unpaid losses, £39,521 8 3 

Amount required to re-insure all outstanding risks, 160,893 <» <» 

Re-insurance fund under the life insurance department 1,551,082 5 5 

CVish dividends unpajd, 654 15 

All other demands against the Company, 3.017 x :' 



4.;< 


(i 


51 ir> 


l 


73.788 2 


3 


3,123 10 


2 




.; 


9,783 15 


•i 


128 .; 


:; 



Total liabilities, except capital and net surplus, £1,755,1G8 16 11 

Joint-stock capital paid up in cash 41-.lT."; o 

Surplus beyond capital, G20.G34 G 2 



Total liabilities including capital and surplus £2,824.078 3 1 

IV. INCOME DURING THE TEAB. 

Marino. 
Fire. and Inland. 

Gross cash premiums received,. £284, 323 9 8 £139,378 4 1 

Deduct re-insurance, rebate and 

return premium, 33,617 16 7 16,851 2 

Net cash receivd for prerm £250, 705 13 1 £122,527 3 11 £373,232 17 
Interest and dividends received from all sources, 11G.137 18 2 



Total fire income, £489.370 15 2 

Total life income 160,065 9 8 



Actual cash income, £G49,43G 4 10 

V. EXPENDITURES DURING THE YEAR. 

Marine 
Fire and Inland' 

Gross amount paid for losses..... £1< (2.332 5 7 £96,708 3 2 

Deduct salvages & re-insurances, 1,062 4 10 2,983 19 

r.mift paid for losses,. £101.270 09 £93,719 4 2 £194,989 4 11 

Cash dividends 107,586 

Commissions or brokerage, 41,721' 16 10 

Salaries and fees 34,9*6 12 

a ->> G *° ° U 

Total fire expenditures £382,894 14 8 

Total life expenditures 154. G82 19 5 

Actual .■ ish •••cpenditures £537,577 24 1 



INSURANCE COMPAX1! 329 



UNITED STATES BRANCH LONDON ASSURANCE 
CORPORATION. 

Managers in the United States, France, Hare & Lockwood, 88 Wall St. N. Y 

Commenced Business in the U. S., June. 1872. 
Attorney in Connecticut. C. B. Bowers. New Haven. 



II. ASSETS. 
Loans on bond and mortgage, (first liens) upon which more than 

one year's interest due. $7,014 51 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. Stocks : — 

U. S. 5-20's, reg. 1867 $350,000 00 $413,875 00 

U. S 5-20's, reg 1862, , 10,000 00 11,425 00 

U. S. 5-20's, reg. 1864 15,000 00 17.437 50 

U. S. 6's, reg. 1881 125,000 00 147,812 50 



Total. $500,000 00 $590.550 00 $590,550 00 

Cash in Company's principal office. 2,500 00 

Cash deposited in Bank, 66,768 82 

Assets of the Company at their actiial value, $666,863 33 

III. LIABILITIES. 

Net amount of unpaid losses, 500 00 

Re-insurance on fire risks, one year or less, $168,157 73 

Re-insurance on risks more than one year, 80,368 86 



Amount required to re-insure all outstanding risks. 248,526 59 



Total liabilities, except capital stock, $257,126 59 

Surplus beyond capital, 409,736 74 



Total liabilities, including surplus, $666,863 33 

IV. INCOME DURING THE YEAH. 

Premiums received in cash, $507, 300 30 

Deduct re-insurance, rebate, abatements, and return 

premiums. 96,742 73 



Actual Cf.sh premiums. $410,557 57 

From interest on loans and dividends on stocks and bonds. 10,569 79 



Actual 3ash income 3421.127 36 

42 



380 FOREIGN FIRE 

V. KXPENDITURES DURING THE YEAR. 

Amount paid for losses, $308,088 12 

Deduct salvages, Ac is, 100 tO 

Net amount paid for losses $194,688 02 

Commissions or brokerage, 48,1 73 ".8 

Salaries and fees, 20,30! 66 

Taxes, 17,264 87 

All other. payments and expenses, 35,641 07 

Actual cash expenditures, $822,062 30 

VI. MISCELLANEOUS. 

Premiums. 
Risks in force having not more than one year to 

run, $34,348,125 21 $362,023 10 

Having more than one and not more than three 

years to run 0,805,174 61 99,8!>2 1!) 

Having more than three years to run, 939,718 00 17,078 80 

$42,093,017 72 $468,994 18 

Business in Connecticut in 1874. 

Fire risks taken, (no inland,) $040,075 00 

Premiums received on same, 8,533 35 

Losses paid, 3,841 61 



NORTH BRITISH AND MERCANTILE FIRE INSURANCE 

COMPANY, 

London, England. 

Commenced Business, 1809 

David Smith, General Manager, John Ooilvik. Secretary. 



I. CAPITAL. 
Capital actually paid in cash £250,000 

II. ASSETS. 

Real estate owned by the Company unencumbered. £208,709 7 1 

Loans on bond and mortgage (first liens.) 4,110 17 



INSURANCE COMPANIES. 831 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. 5-20's, $ 1,151,500 00 £233,110 1 8 

U. S. 10-40's, 550,000 00 112,114 17 

U. S. currency, 225,000 00 46,068 15 

Illinois State, 18,000 00 3,08G 5 

Alabama Stilts 10,000 00 1,755 

Virginia State, 56,000 00 5,603 2 6 

Tennessee State, 20,000 00 2,250 

South Carolina State, 20,000 00 3,150 

Baden Government, 1160,000 00 4,336 2 8 

Wurtemburg, 40,000 00 2,676 5 1 

Royal Prussian loan, rfl0,000 00 1,296 6 

Saxon 4 per cent, 12,000 00 1,633 9 10 

Saxon 3 per cent. 9,000 00 997 14 4 

Loban Zittan Railway, 35,000 00 4,087 17 5 

Italian Rentas, £176,000 3,732 4 

Great Eastern Railway, 8,000 8,732 4 

Buenos Ayres Railway, 20,000 20,000 



Total, £454,518 11 £454,518 11 

Loans on Stock Collaterals. 

Market Amount 

Value. Loaned. 

Baltimore & Ohio R. R... ....... £7,000 o~) 

Chicago & Burlg. & Quincy Ry. 12,600 

Illinois, . 6,900 

U. S. 1862, 5-20's, bonds, 939 } £35,000 

Massachusetts State, 3,138 

Boston City, bonds, 5,062 

Massachusetts State bonds, 2,630 

U. S. 10-40's, bonds, 940 0' 

Mort of Freehold Estate at call 8.069 1 2 8,069 1 2 



U 



Total, £47,278 1 2 £13,069 1 2 £43,069 1 2 

Cash in the Company's principal office in currency, 473 13 1 

Cash deposited in Bank, 47,332 12 1 

Interest due and accrued, 2,079 13 5 

Net premiums in due course of collection, 19,058 10 1 

All other property belonging to the Company, 262,798 10 2 

Assets of the Company at their actual value £1,042,780 5 <> 

III. LIABILITIES. 

Net amount of unpaid losses, £62,812 14 7 

Amount required to re-insure all outstanding risks, 254,213 10 7 

Re-insurance fund 303 17 9 

Interest remaining unpaid to scripholders, 1,521 17 10 

All other demands against the Company, 36,458 8 4 



Total liabilities, except capital stock, £355,309 19 1 

Capital stock, 250,000 

Surplus beyond capital, 437.470 5 11 



Total liabilities, including capital and surplus, £1,012,780 5 



FOREIGN FIRE 

!V. [NCOME DUBING THE S EAB. 

Gross cash premiums received £949,284 n 5 

Dei, irance, rebate and return prem's, 186,644 2 B 

Nel ived for premiums (all fire,) £762,640 ll '.> 

■ 1 from all sources 41,679 9 l 

Income from all oth< 3, viz Transfer fees :;i 17 6 

Actual cash income £804,851 l'J 6 

V. I ; \ i • ! :\ i >IT DBES DURING THE YEAR. 

Gross amount paid for losses. £546,077 9 3 

Deduct salvages and re-insurance, 120,405 5 1 

Nil amount paid for losses (all fire.) £425,672 i) 2 

Cash dividends 50,000 

Com mission or brokerage, 117.374 13 9 

Salaries and fees, 89,238 19 4 

Taxes, 314 17 6 

All other payments and expenses, 583 10 8 

Actual cash expenditures £683,184 10 



UNITED STATES BRANCH NORTH BRITISH AND 
MERCANTILE. 

Managers in the United States, Ezra White. Chas. E. "White. & S. P. Blagpen, 
No. 54 William St., New York. 

Commenced Business in the U. S. 1866. 

Attorney in Connecticut, Judah Fbisbie, New Haven. 



11. ASSETS. 
Stocks and bond* owned hy the Company. 

Par Value, Market Value. 
U. S. and State Stocks : — 

U. S. 6s, reg. 1881, $50,000 00 $58,7 >0 00 

" 5's, 1862, 79,000 00 ^M^ 00 

" 5's, 1864, 100,000 00 115.000 00 

" 5-20's, old 1865 150,000 00 175.500 00 

" 5-20's, 1S67, 506,000 00 593,285 00 

•• Currency 6 s, 230,000 00 270,250 00 

Illinois 0's 18,000 00 18,000 00 

Alabama 8's 10,000 00 5,000 00 

Virginia 6's, (Funded), 37.300 00 21,261 00 

Virginia Deferred certificates,.... 18,700 00 2.057 00 

South Carolina ,6's, 20,000 00 6,000 00 

Tennessee 6's, (Funded,) 26,000 00 15,08 

Total, .$ 1,245,000 00 $1,869,848 00 $1,869,848 



INSURANCE COMPANIES. 333 

Cash in the Company's principal office. $458 20 

Cash deposited in Bank 263,676 10 

Ageuts balance in due course of transmission, 46,891 85 

Bills receivable, 2.926 06 



Assets of the Company at their actual value, $1,683,800 21 



III. LIABILITIES. 

Losses adjusted and unpaid, $18,396 70 

Losses reported and unadjusted. 56,040 92 

Losses resisted, 7, 323 69 



Net amount of unpaid losses = $81,761 31 

He-insurance on fire risks, one year or less, $598,452 50 

Ke-insurance on risks more than one year, 191,387 00 

Amount required to re-insure all outstanding risks. 789,839 50 

Total liabilities, $871,600 81 

Surplus 812,199 40 

Total liabilities including surplus, $1,683,800 21 

IV. INCOME DURING THE YEAR 

Premiums received in cash, $1,474,927 07 

Deduct re-insurance, rebate, abatements and "re- 
turn premiums, 148,454 30 



Actual cash premiums, $1,326,472 77 

From interest on loans and dividends on stocks and bonds, 46,894 11 

From premium on gold, .' 3,134 10 



Actual cash income, $1,376,500 98 

V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $43,096 84 occurring in pre- 
vious years,) $557,382 51 

Commissions or brokerage, 171,547 78 

Salaries and fees, 99,155 31 

Taxes, 28,125 01 

All other payments and expenses, 75,954 31 



Actual cash expenditures, $932,164 92 

VI. MISCELLANEOUS. 

Premiums 
Risks in force having not more than one year to 

run. $90,587,982 00 $1,196,905 04 

Having more than one and not more than three 

years to run 11,724,632 00 156 ; 204 71 

Having more than three years to run 7,495.132 00 162,775 25 



$109,807,746 00 $1,515,885 00 



SS-i 



FOREIGN F1KK 



ived since the organation of the Company | 

L issefl p id since the organization of the Company 7. 1 

Amount deposited in dill, iritj of Policy- 
holders, 1,034,000 eo 

B ri 0M in Connecticut in : 

Fire risks taken 

Premiums received on same, 

Losses paid 90,245 v •' I 



QUEEN INSURANCE COMPANY. 

Liverpool, England. 

Commenced Business August, 1858. 

James Monckizff Wilson. Manager. Thomas Walton, Sub-Manager. 



I. CAPITAL. 
Capital actually paid up in cash, £179,830 

II. ASSETS. 

Real estate owned by the Company unencumbered, £124.938 12 1 

Loans on bond and mortgage (first liens) 116,437 18 6 

Interest accrued on bond and mortgage loans, 1,660 17 8 

Stocks and bonds atoned by the Company. 



United States bonds 1881, £144,000 

Alabama bonds 2,000 

Canadian 5 percent., 10,500 



New Dominion 6 per cent. . , . . . 
Berkenhead Gas and Water,... 
City of Melbourne C per c, . . 

City of Geelong 6 per c 

City of Dunnedin 7 per c 

British Gov. 3 per c, consols. 
Bomb'y, Baroda ft C. Ind'a By 
Great Indian Peninsular By., 
Gt. Western By.pref. 5 per c, 
I Western of Canada By. 

r> per o . '!• benture 

D'tch Rhenish By. Cos. I p. c. 
London. Brighton A South 
Coast By. Co., 5 p. c. deben. 



Par Value. 















20,000 

5,000 

1,200 

5,000 

5, I 

10, I 

u,ooo 



Market Value 
£142,961 1 6 
969 15 
10,500 
20,000 

3,000 

5,110 

2,000 

1,266 

4,672 

5,188 



11,141 









(» 

1 

17 
4 
L3 



14.100 



14,990 3 



Total £248,800 £241,894 4 £241,894 



INSURANCE COM PA NIKS. 3o 5 

Loans on Collateral. 



L. & N. West. By. ) 

N. East. Ry. con'ls ■ 


Par 
Value. 

£2,025 





Market 
Value. 

£2.557 


Amount 
Loaned. 

£2,300 











G. W. of Can. Ry.-> 






















G. W. of Can. Ry. 


10.250 





9,000 





7,000 














Pullm n P. C. Co., 


6,000 





6,000 





5,000 














Vt. Cen. Rv. Co.. 


1,800 





1,800 





1,800 














Richelieu Co's, .... 


6,200 





6,200 





6,200 














L. ft X. West. Rv. 


1.532 10 





2,375 


7 6 


1.850 














Winchs't. Sheffield 






















& Lineol'sh Rv. . 


4,000 





3,160 





1,500 














G. W. of Can. Ry. 


615 





540 





300 








£25,950 







Total, 


£32,422 10 





£31,632 


7 6 £25.950 











All other loans, 
















31,056 
314 


5 
3 


1 


Cash in Company's 


principal office. 










3 


Cash deposited in bank 














23,933 


18 


5 


Interest due and accrued 














3,347 


15 


4 


Net Premiums in contra of nollpnHon... 










8,093 

42.352 


q 


1 i 


All other property. . 
















7 


3 




Company at 


their actual 


value, 








Assets of the 


£619.979 


5 


10 




III 




LIABILITIES. 














Net amount of unpaid losses 














£33.824 


5 


6 


Amount required to 


re insure all 


outstanding 


risks. 








59,029 


18 


6 


Re-insurance fund under the life 


insurance department. 






213,057 


14 


1 


Cash dividends unpaid 














120 


2 





Due and accrued fo 


r salaries &c, . 
tgainst the Com 












4,262 
34,786 


4 
14 


10 


All other demands i 


pany, 










11 



Total liabilities except capital stock. £345.080 19 10 

Capital stock, 179.830 

Surplus beyond capital, 95,068 6 



Total liabilities including capital and surplus £619,979 5 10 

IV. INCOME DURING THE TEAR. 

Gross cash premiums received, £361,711 6 10 

Deduct re-insurance, rebate and return premiums, 66,561 14 8 



Net cash premiums, £295,149 12 2 

Interest and dividends from all sources, 17,676 14 7 

Income from all other sources, 35 2 6 



Actual cash income, £312,861 9 3 

V. EXPENDITURES DURING THE YEAR. 

Gross amount paid for losses, £197,163 19 9 

Deduct salvages and re-insurances, 35,046 5 1 



Net amount paid for losses (all fire,) £162,117 14 8 



FOREIGN FIKK 

Gash dividends £8,991 10 

< JommiBsiona or brokerage 44,928, 1 1 l 

Balariea and fees 30,792 5 l 

Actual cash expenditures, £246,824 11 8 

VL MISCELLANEOUS. 

Premiums. 

Risks in force December 31, 1872 £28,087,264 £106,263 9 

Written during the year, 82,318,002 361,711 6 10 

Total, £110,405,266 £4G7,1>7-I 15 10 

Deduct those expired and marked off as 

terminated. 67,924,607 283.353 4 2 

Gross amount in force at the end of the 

year, £42,480.749 £184,62111 8 

Deduct amount re-insured 15,237,169 66.561 11 

Net amount in force, £27,244,680 £118,059 17 

Premiums received since the organization of the Company, 1,767,564 

Losses paid since the Company organized 1,214,563 

Dividends declared since the Company commenced business,... 123.%!) 

Stock owned by directors at date 20,919 Q 

Loaned to stockholders not officers, 3. COO 



UNITED STATES BRANCH QUEEN. 

Manager in the United States, Wm. H. Ross, 216 Broadway, New York. 

Commenced Business in the U. S., 1866. 

Attorney in Connecticut, C. C. Kimball, Hartford. 



II. ASSETS. 
Stocks and Bonds oicned by the Company. 

Vw Value. Market Value. 
U. S. and State Stocks: — 

U. S. 6's, 1881, in the hands of 

Trustees U. S. Branch, $570,000 00 $674,026 00 

U. S. 6's, 1881, with Ins. Dept, of 

State of New York 200.000 00 236,500 00 

U. S. 6'a, L881, with Ins. Dept. of 

State of Ohio 100,000 00 1 18,260 00 

Alabama .Vs. certificates with Ins. 

Dept. of State of Alabama, 10,000 00 4,000 00 

Total $880,000 00 81.032.77:. 00 $1,032,775 00 



INSl'KAXCIO COM PAN IKS. 33 



Special Deposit with National Park Bank, 300 00 

Cash deposited in Bunk, B2,826 OP 

Nel premiums in due coarse of collection, 1!). 136 55 

A -sets of the Company at their actual value, $1,140 537 64 



III. LIABILITIES. 

Losses reported and unadjusted, $27,427 23 

Losses resisted 23,326 13 

Total, $50,753 36 

Deduct re-insurance, 4,057 50 

Net amount of unpaid losses, $46,005 86 

Re-insurance on fire risks, one year or less. $461,978 31 

Re-insurance on risks more than one year, 66,595 70 

Amount required to re-insure ail outstanding risks, 528, 569 04 

Rent 2,000 CO 

Total liabilities except capital and net surplus, $576,664 90 

Surplus 563, 872 74 

Total liabilities, including surplus, $1,140,537 64 



IV. INCOME DURING THE YEAR. 

Premiums received in cash, $1,267,280 89 

Deduct re-insurance, rebate, abatements and re- 
turn premiums, 154,105 25 

Actual cash premiums. $1,113,115 64 

From all other sources, 1 , 208 89 

Actual cash income , $1,114,324 53 



V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses. (including $31, 077 38 occur- 
ring in previous 3 r ears.) $503,793 71 

Deduct salvages, 6.124 92 

Net amout paid for losses, $497,668 79 

Commissions or brokerage. 167,728 39 

Salaries and fees, 35,481 23 

Taxes, v 24.294 99 

All other payments and expenses, ". 46,834 00 

Actual cash expenditures, $772,007 40 

•43 



FOREIGN I 
VI. Hlfi 



Premiums. 



wing Q01 : t to 

run, - - >46 6S 

ig more than one And nol more than three 

ran 

Having more than th to ran 2,753,181 4."». -: - 



,188 08 
Premiums recen the organization of the Company. 5,018,513 0«> 

Losses paid since the Company organized 3,292,613 00 

Stock owned by dire l th D - E900 00 

Amount deposited in different States for the security of Policy- 
holders in the United States 

Busineat Uicut in 1874. 

Risks taken - 

Premiums received on same. 

Losses paid 41.:. 



ROYAL INSUUANCE COMPANY. 

LxrzBPOon, Ex a and. 

Commenced Business. June, 1845. 

John If. MoLjlben, Manager and Secretary. 



I. CAPITAL. 

Capital actually paid up in cash. £289,545 

II. ASSE 

Real Esta'e owned by the Company nnenenmbered £202,624 J) 1" 

Loans on bond and mortgage, (first hens) 59,625 ;l 

tea B i by the Company. 

Par Value. Market Value. 

D. S. 6 per c, 1881 £33,061 1 8 

•■ 5 per c, 1874 35,625 625 

'• 5 per <> reg., J, 541 13 4 3.892 11 

■• 30 yr. Cperc. reg.. 156,875 163,114 oil 

Alabama 8 per c., 1886 J3 6 8 946 19 4 

Brit Indian and CoL see.,. 160,937 16 8 159,886 14 6 

English > 

Eng. E. B. pref. & gnar., 3 4 6 7 



Total £1.114,491 1 2 £1,209,016 12 10£1,209,015 12 1<> 



[NSUitANCK COM I' a: NIKS. 839 

Loans on Collateral. 

Par Value. .Market Value. Anif. Loaned. 



Borough of Boot tie, 


£4,000 










£4,000 












Kulham Burial Ground, 


5,000 


5,000 








5.000 












Taxteth P'kL. B'd of Health 


L2.155 12 5 


12,155 


12 


5 


12,155 12 


5 






Taxteth P'k Burial Board,.. 


■ 13,225 


13,225 








13,225 












Wavertree Local Board, 


4,513 2 4 


4,513 


2 


4 


4,513 


2 


4 






Bebington Burial Board, 


16,113 19 4 


16,113 19 


4 


16,113 19 


4 






Corporation of Dorchester,.. 


1,760 


1,760 








1,760 












Sef ton Highway Board, 


3,440 


3,440 








3,440 












Birkenhead Impr'mt Corn's.. 


28,106 16 7 


28,106 


16 




23,106 16 


7 






Bart, on Trent Imp. Corn's,. 


34,493 5 10 


34,493 


5 


LO 


34,493 


5 


10 






Burr, on Trent Burial Board 


8,800 


8,800 








8,800 












Corporation of Liverpool... 


45,05 4 9 


45,654 


9 





45,654 


9 









Likherland Local Board 


10,514 4 6 


10,514 


4 


6 


10,514 


4 


6 






Prescot Highway Board, 


2,490 


2,490 








2,490 












A8hbourn Local Board, 


916 16 7 


916 


16 


7 


916 16 


7 






Newton Heath Loc. Board,.. 


3,000 


3,000 








3,000 












Childwall Highway Board, . . 


2,0S3 2 4 


2.0S3 


2 


4 


2,0S3 


2 


4 






11 dy well Local Board, 


1,600 


1,600 








1,600 












Pensarn Local Board, 


1,712 


1,712 








1,712 












Mersey D'ck & Harb. Board. 


122,907 3 11 


122,907 


3 


11 


122,907 


3 


11 






London and St. Katharine 




















Dock Company, 


26,060 


26,060 








26,060 












Sub-Marine Tel. Co 


28,828 


69,187 


4 





45.702 


3 


3 






Liverpool Exchange Co., .. . . 


45,703 


45,703 








45,703 












Loans on security of various 




















British Railway stocks and 




















shares with margin of from 




















19 to 49 per cent above 




















amount loaned 


710,372 
L,133,3SS 12 10 £ 


852,160 








608,459 


3 


3 


19 








Total, £ 


1,315,535 16 10 £1,048,349 


19 


4 £1,048,348 


4 


All other loans, 














91,106 

8G 


10 


3 


Cash in Company's princip 
Cash deposited in Bank,.. 


al office in currftnnv. 










3 


1 1 














95,883 


18 


8 


Interest due and accrued, . 














32,917 





9 


Net premiums in course of «ollpp.ti<m 










. J 


131,873 


3 


3 




my at their actual v 


ilue, . 






Assets of the Compa 


£2,870,481 


18 


10 




III. LIABILITIES 














Losses reported and unadj 


usted 




£28, 


227 17 11 








Losses resisted, 






£ 


13. 


558 



1 
















Total, 


41, 


785 17 J 




Deduct re-insurance 


, salvage &c, 
id losses 






5, 


222 10 


3 


£36,562 
393,095 


18 





NeG amount of unpa 
Amount required to re-ins 










8 


ure all outstanding risl 


:s,. 






7 


Amount reelaimable on perpetual five policies. . 










3,742 


6 


4 


He-insurance fund under the life insurance department 




1,503,897 








Cash dividends unpaid,.... 














962 


3 


4 


Miscellaneous expenses du< 
All other demands against 


3 and accrued 
the Company, 

ept capital an 
in cash, 












7,665 
44,018 


6 

4 


3 


d net surnlns 




6 


Total liabilities, exc 


£1,990,842 
289,545 


19 


8 


Joint-stock capital paid up 


















Surplus beyond capital, 














590,093 


19 


2 




uding capital 


and surplus. 








Total liabilities incl 


£2,870,481 


18 


K 



340 POHKKiN J'IKK 

[V. IN* OME DURING THE YEAR 

Premiams i - 3,693 14 (> 

■'. re-insuranoe, rebate and return , 

imams 231 287 l~> <> 



£807,405 19 

.:■' from all other sources 43.596 '> 4 



Total fire income £851,002 4 10 

Total life income 359,271 <; ;, 



Actual cash income £1,210,273 11 3 

V. EXPENDITURES DIKING THE YEAH. 

Net amount paid for losses £497,139 5 3 

Deduct salvage etc 60,948 15 :: 



Net amount paid for losses £436,190 10 

Cash dividends . 38,583 10 

Commissions or brokerage. 101,242 4 

Salaries and fees 4.">.4o!> :> 7 

Taxes. 51,607 8 4 



Total fire expenditures, £673,032 18 5 

Total life expenditures, 200.724 1 



Actual cash expenditures, £873,757 4 

VI. MISCELLANEOUS. 

Premiums. 

Risks in force December 31st, 1873 £157,738,800 £769,591 19 B 

Written during the year 215.605,000 952.953 10 



Total £373,343,800 £1, 722. :>4r> (»' 

Deduct those expired and marked off as 

terminated, 187,402,700 7:m;.712 18 :> 



Gross amount in force at end of year £185,941,100 £925,832 2 l 

Deduct amount re-insured. 26 r 62,fi - 10 



Net amount in force £159,178.300 £787,990 1 ."• 

Kisks in force having not more than one year 

to run 153,107,700 699,864 3 - 

Having more than one and not more than three 

its to run, 5,949,300 87,968 -~> 8 

Perpetual risks in force, 121,300 157 11 11 



£159,178,300 £787,990 1 3 

Premiums received since the organization of the Company B, 170, 430 9 o 

l isee paid since the organization of the Company 5,269,821 18 8 

Dividends declared since tha Company commenced business..... 704.742 17 

Stock owned by directors at date 41,164 o o 



INSURANCE COMPANIES. 34 



UNITED STATES BRANCH ROYAL. 

Managers in New England States, Foster & Scull, 53 Devonshire St., Boston. 
Commenced Business 1845. 

Attorney in Connecticut. Earl Warner Jr., New London. 



II. ASSETS. 

Par Value. Market Value. 
U. S. axd State Stocks : — 

U. S. 5's, & 10-10's. reg $185,000 00 $212,287 50 

" 6's, reg., 1,030,000 00 1,212,825 00 

" G's, 1881 coup 100,000 00 118,500 00 

11 G's, 1881, reg., 100,000 00 118,125 00 

11 5's, 1881, reg., 65,000 00 73.856 25 

Alabama, S's, 10,000 00 5,000 00 



Total, $1,190,000 00 $1,740,593 75 $1,740,503 75 

Cash deposited in bank, 216,097 90 

Interest due and accrued on stocks, 87.620 00 

Net premiums in due course of collection 97,480 28 

All other property belonging to the Company, 773 31 

Assets of the Company at their actual value. $2,123,165 24 

III. LIABILITIES. 

Losses adjusted and unpaid. $10,146 05 

Losses reported and unadjusted, 42,531 71 

Losses resisted, 54,055 58 



Total ...$106,733 34 

Deduct re-insurance 91 20 



Net amount paid for losses, $106,642 14 

Re-insurance on fire risks, one year or less, $797,567 08 

Be insurance on risks, more than one year 379,979 45 

Amount required to re-insure all outstanding risks, 1,177,5-16 58 

Amount reclaimable on perpetual fire policies, 16,059 04 

Re-insurance fund under the life insurance department, 11 7,750 00 

Due and accrued for salaries, printing &c, 42 86 

All other demands against the Company, 12,558 64 



Total liabilities, except capital stock, $ 1,430,599 21 

Surplus beyond capital, 692,566 03 

Total liabilities including capital and surplus, $2,123,165 24 



342 FOREIGN FIKK 

IV. m OME DUBINQ 1 HE YEAR. 

Premiums received in cash $2,071,3! 

Deduct re-insurance, rebate and return premiums,. 229,514 «*4 



Aetna! cash premiums $1,841,852 51 

Prom interest on loans and dividends on Btocks and Loads. g t 37 1 ;.-, 

Prom all otln-r sources 

Aetna! cash income $1,929,29 



V. EXPENDITURES DURING THE YEAR. 
Amount paid for losses, (including $64,201 63 occur- 
ring in previous years.) $772,507 

Deduct salvage, 21,820 76 

Net amount paid for losses. $750,677 28 

Commissions or brokerage, ■. 

Salaries, fees. etc.. 70,706 37 

Taxes, 46,111 24 

All other payments and expenses, ;:> 96 



Actual cash expenditures $1,244,315 12 

VI. MISCELLANEOUS. 

Premiums. 

Risks in force having not more than one year 

to run, $117,068,831 91 $1,595,184 15 

Having more than one, and not more than three 

years to run, 25.8-11,853 08 381,603 55 

Having more than three years to run 12.737.329 00 223.909 71 

Perpetual Risks in force and interest premiums, 63G,603 00 16,130 25 



$156,284,617 59 $2,216. 783 6ti 



Business in Connecticut in 1874. 

Fire risks taken (no inland) $1,-148,338 00 

Premiums received on same 23,909 4 7 

Losses paid, 21.828 80 



INSURANCE COMPANIES. 348 



ROYAL CANADIAN INSURANCE COMPANY. 

Moxtkeal. Canada. 
Commenced Business 1878. 

John Young, President, Aethuk Gagnon, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash. ?•••<•• $230,152 95 

(Since increased to $561,020) 



II. ASSETS. 

Loans on bond and mortgage (first liens), $20,000 00 

Interest accrued on bond and mortgage loans, 222 40 

Value of the lands mortgaged. $57,000 00 

Buildings (insured for $4,000.) 10,000 00 

$67,000 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

Montreal Harbor, $50,000 00 $50,000 00 

Exchange Bank of Canada. 10,000 00 10,400 00 

Merchants Bank of Canada, 30.000 00 36,750 00 

Royal Canadian Bank 14,400 00 13,464 00 

Bank of Montreal, 6.000 00 11,040 00 

Ontario Bank 10,000 00 11,100 00 

Merchants Bank of Canada 13,200 00 16,104 00 



Total. $133,600 00 $148.858 00 $148,858 00 

Cash in Company's principal office, 1.353 82 

Cash deposited in Bank 147,255 48 

Interest accrued on bank deposit, 1,064 57 

Net premiums in due course of collection, 38,181 72 

Bills receivable, not matured, for fire, marine and.inland risks.... 75.443 11 

All other property belonging to the Company, 950 00 



Assets of the Company at their actual value, $433,329 16 



::i I 



FOREIGN II UK 
III. LIABILITIES. 



Losses adjusted and unpaid $765 00 

i and unadjusted, 9,400 00 



Net amount of unpaid losses, 

Re insurance on lire risks one year, or Less $103,171 1 1 

Re-insurance, on risks more than on< year 6,318 35 

Re-insurance, at 50perc, on inland navigation risks. 

Amount required to re-insure all outstanding risks 



$10,165 oo 



1 16,377 B2 



Total liabilities, except capital and net surplus. $156,5 

Joint-stock capital paid up in cash, 230,152 95 

Surplus beyond capital, 16,633 39 

Total liabilities including Capital and net surplus, $433,329 1(1 



IV. INCOME DURING THE YEAR, 

Fire. Inland. 

Gross cash premiums received, $232,078 S3 $27,040 78 

Deduct le-insurance, rebate and return 

premiums 11.001 -17 5.330 70 



Net cash received for premiums.. .&221, 077 36 $21,710 08 $242 787 44 
Interest and dividends received from all sources, 3,415 !»7 



Actual cashincome, $246,203 41 



V. EXPENDITURES DURING THE YEAR. 

Fire. Inland. 

Net amount paid for losses $57,153 30 #556 15 

$57,709 51 

Commissions or brokerage, 18,296 06 

Salaries and fees, 13 ; 058 85 

All other payments and expenses. 38,31)7 43 

Actual cash expenditures, $127,461 85 



VI. MISCELLANEOUS. 

Premiums. 

Written during 1873 (Fire 10 mos. Marine, 2.\ mos. )... $24,660,254 $232,078 B3 

Deduct those expired and marked off as terminated... 2.201. I 17 18,073 14 

Gross amount in force, $22,358,807 $21 I.' 

Deduct amount re-insured. 750,176 7.966 6'.) 

Net amount in force. $21,608,631 

Risks in force having not more than one yeai to 

run 21,591,556 206,342 28 

Having more than one. and not more than three 

years to ran 707.2.~»i 7,663 4! 

Net amount in fnree $22,358,807 $214,005 60 



tNSU R A N C E COM PA N I ES. 345 

Marine and 

inland Kinks. Premiums. 

Written during 1873,.: $4,225,469 $102,738 07 

Deduct those marked and off as terminated, 2,664,185 25,964 88 

Gross amount in force, $1,561,284 $76,773 69 

Deduct amount re-insured, 740,055 15,045 35 

Net amount in force. $820,320 $61,728 34 

Premiums received since the organization of the Company, 334,810 90 

Losses paid since the Company organized, 57,700 51 

Stock owned bv directors at date, 235.000 01 



UNITED STATES BRANCH ROYAL CANADIAN. 



Managers in the United States, Messrs. St.John & Hughes, at N. Y., 0. F. Sise, 
at Boston, Mass., Messrs. Richardson & Naghten, Chicago, 111., H. F. 
Crawford, Detroit, Mich., Sabine & Allen, Phila. Penn., J. A. Rigby, 
Baltimore, Md, 



Commenced Business 1874. 
Attorney in Connecticut. C. C. Kimball, Hartford. 



II. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
13. S Stocks: — 

U. S. 5*s, and 6'a, $200,000 00 $208,054 06 

»' 7's 45,000 00 47,030 03 

Railroad Bonds : — 

N. Y.. Cen. & K. R., R. R., 1st. mort 30,000 00 31,083 75 

N. Y. & Harlem R. R., 1st mort...... 10,000 00 9,911 25 

Harlem R. 11., 10,000 00 9,91125 



Total, $205,000 00 $306,890 94 $306,890 94 

Cash deposited in bank, 74,598 07 

Interest due and accrued on stocks, 3.833 33 

Net premiums in due course of collection.. 28.451 12 

Bills receivable, 2.425 26 



Assets of the Company at their actual value, $416,198 72 

44 



840 FOREIGN KIRK 

III. LIABILITIES. 

asted and unpaid $7,150 37 

Losses reported and unadjusted 



Total - 

Deduct re-insurance 2,10( 



Net amount paid for losses, sl'h. .-,.-,;> or, 

Re-insurance on lire risks, one year or le.^s, $132,562 54 

Re-insurance on fire risks, more than one year, 8,1 1 1 62 

Re-insurance on unexpired inland navigation, 50 p. c, 1,8.")<J 45 

Amount required to re-insure all outstanding risks, 1 12, ." 

Total liabilities except capital stock, §1G3.11G GO 

Surplus, 253,1 



Total liabilities including surplus, §41G,108 72 



IV. INCOME DURING THE YEAR. 

Marine 
Firo. and Inland- 
Premiums received in cash, §L'."»G,837 88 \ 70 

educt re-insurance, rebate, abate- 
ment and return premiums, 834 58 9,145 50 

Actual cash premiums, $256,003 30 - -07 20 §305,810 50 

Bills and notes for unpaid premiums 28,451 12 4,360 03 

From interest on bonds and mortgages. 5.300 00 

Actual cash income §311.110 50 



V. EXPENDITURES DURING THE YEAR. 

Marine 
Firo. and Inland. 

Amt paid for losses, §12,517 41 $16,908 1G 

Deduct Salvages Arc 5,676 11 

Net amount paid for losses $12,517 41 $11,232 05 $23,749 4G 

Commissions or brokerage, 593 65 

Salaries fees, and taxes. 29,3 

Actual cash expenditures B61 75 



INSURANCE COMPANIES. 847 

VI. MISCELLANEOUS. 

Premiums. 

Risks in force having not more than one year to 

run, $18,997,955 00 $201,290 50 

Having more than one and not more than three 

years to run, 757,445 00 12,216 93 



$19,755,400 00 $276,507 43 

Marine. Premiums. 

$48,000 00 $3,452 00 

Premiums received since the organization of the Company 344,241 70 

Losses paid since the Company organized, 23, 740 46 

Amount deposited in different States for the security of Policy- 
holders, 200,000 00 

Business in Connecticut in 1874. 

Fire, Marine and Inland Risks taken, $300,307 80 

Premiums received on same 5.528 53 



SCOTTISH COMMERCIAL INSURANCE COMPANY. 

Glasgow, Scotland. 
Alexander Crum, Chairman. Frederick J. Hallows. Secretary and Manager. 
Commenced Business 1865. 



I. CAPITAL. 

Capital actually paid up in cash, $400,000 00 

II. ASSETS. 

Real estate owned by the Company unencumbered, &ts5,112 24 

Loans on bond and mortgage (first liens) 58 940 89 

Stocks and bonds owned by the Company. 

Par Value. Market Value 

U. S. 5-20's, registered. $335,000 00 $353,007 87 

North British Ry. Co's. No. 1 pref.,. 1,000 00 900 29 

North British Ry. Co's. No. 2 pref.,. 7,500 00 6,581 25 

Consolidated lien, 1,787 50 1,469 00 

Madras Ry. Co's. 5 per c, capital,... 5,000 00 5,450 00 



348 



IGN FIKK 



Caledonian Uy. Clo. BoottJah Midland, 

Colombo < las A Wat. c < '*> 

City A' Siilnirl.au (las <\>. Annuiti- ->. 

Total $365,537 ■"-" 



Par Value. 


.Market Value. 


2.(11)0 (K) 


2,76€ 


2,500 00 


2, 500 oo 


::,(i 00 


L,508 <;> 



$374,180 77 ?:!74,180 77 



Loans on CollaU tal. 

Par Market Amount 

Value. Value. Loaned. 



Ab'syth& W. Co'st By. Oo. $83,360 00) 
Brecon A Myrtydfil Ry. Co's 



,205 54 $8:5,205 51 



5 per c. pref. united,.... 22,500 00' 

Clyde Navigation Co., 1,500 00 

Clyde Navigation Co., 1,250 00 )_ 

Glasgow Improv. Trust 2,500 00* 

Scottish Com. Ins. Co., 4,800 00 

Edinburgh & District Water 

W'ks. annuity £ 1G 2s. Gd.. 460 19 



1,500 00 
3,760 oo 
5,875 00 

4G0 19 



3,246 12 
8,766 oo 

460 1!) 



Total, $116,360 19 $94,790 73 $90,176 

Cash in Company's principal office, currency, 

Cash deposited in bank, 

Loans on personal security, 

Interest due and accrued, 

Net Premiums in due course of collection, 

Bills receivable, not matured, for fire and inland risks, 

All other property, 



Assets of the Company at their actual value, , 



III. LIABILITIES. 

Net amount of unpaid losses, 

Amount required to re insure all outstanding risks 

Re-insurance fund under the life insurance department, 

Cash dividends unpaid 

All other demands against the Company, 



$90,176 


85 


833 


2.". 


26,701 


99 


12*815 


63 


2,211 


31 


140,190 


:>4 


16, 5: '7 86 


5,808 


51 


813,569 


51 


$28,258 


64 


173,243 02 


57,914 


66 


52 


75 


2,125 


00 



Total liabilities except capital stock, $261,593 !»7 

Capital stock, 400,000 00 

Surplus beyond capital, 151,975 54 



Total liabilities including capital and surplus $813,569 51 



IV. INCOME DURING THE YEAR. 

Gross cash premiums received, $584,988 !»l 

Deduct re-insurance, rebate and return premiums, 137,080 ,|( i 



Net cash premiums (all fire,) $447,908 85 

Interest and dividends from all sources, 21,365 29 

Income from all other sources 82 04 



Fire income. 
Life income. 



* 1C9, 356 18 
27,485 48 



Actual cash income, 



$49G,841 66 



INSURANCE COMPANIES. 349 

V. EXPENDITURES DURING THE YEAR. 

Net amount paid for losses (all fire,) $215,625 29 

Cash dividends 28,000 00 

Commissions or brokerage, 63,445 II 

Salaries and taxes 69,973 00 

Total fire expendiures, 377,043 70 

Totallife expenditures, 6,302 96 

Actual cash expenditures,.... $383,346 66 



350 FOREIGN KIKK 



UNITED STATES BRANCH SCOTTISH COMMERCIAL. 

Ma itngers in the United States. Rankin ft Head, 170 Broadway, New York 

Commenced Business in the U. S., 1873. 

Attorney in Connecticut, Geo. B. Fisher, Hartford. 



II. ASSETS. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. Stocks: — 

U. S. 5-20's, reg. deposited with Ins. 

Commissioner state of N. Y., $200,000 00 $9 i, 250 00 

U.S. 5-20*8, reg. in hands of Trust's 50,000 00 59,002 50 

" G 4 s, reg. 1881 in hands of Fi- 
nance Committee 12G,000 00 148,837 50 



Total 8370.000 00 8+44,150 00 8444,150 00 

Cash in the Company's principal office. 4, 1 30 19 

Cash deposited in Bank 6,806 15 

Net premiums in due course of collection 22,244 til 



Assets of the Company at their actual value 8477.330 95 



III. LIABILITIES. 

Losses adjusted and unpaid, 83,84. 

Losses reported and unadjusted 11,607 B2 

Net amount of unpaid losses $15,453 41 

Ke-insurance on fire risks, one year or less $97,981 30 

Be-insurance on risks more than one year 0,098 00 

Amount required to re-insure all outstanding risks 104,01)9 30 

I>ue and accrued for salaries, printing fte., 750 00 

All other property belonging to the Company, 292 86 

Total liabilities. $120,575 57 

Surplus 350, 755 38 

Total liabilities including surplus 8477.330 95 



INSURANCE COMPANIES. 351 

IV. INCOME DURING THE YEAR 

Premiums received in cash, $230,001) 72 

Deduct re-insurance, rebate, abatements and re- 
turn premiums, 27,(5(58 19 

Actual cash premiums, $211,431 53 

From interest on bonds, : 24,014 32 



Actual cash income, $235, 445 85 



V. EXPENDITURES DURING THE YEAR. 

Amount paid for losses, (including $5,978 73 occurring in pre- 
vious years,) $103,3:3 41 

Deduct salvages &c, 1,982 05 



Net amount paid for losses, $101,341 36 

Commissions or brokerage, 39,650 64 

Salaries and fees, 21,303 82 

Taxes 6,242 29 

All other payments and expenses, 13,742 50 



Actual cash expenditures, $182,280 61 



VI. MISCELLANEOUS. 

Premiums 
Risks in force having not more than one year to 

run, $16,374,217 00 $190,571 00 

Having more than one and not more than three 

years to run, 762,553 00 9,316 00 

Having more than three years to run 146,204 00 2,257 00 



$17,282,974 00 $202,144 00 

Premiums received since the organization of the Company 392,408 87 

Losses paid since the Company organized, 109,240 01 

Business in Connecticut in 1874. 

Fire risks taken, $565,910 00 

Premiums received on same, 7,515 63 

Losses paid , 5, 886 31 






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856 KEPOBT OF THE 



Till: COMPANIES DOING BUSINESS IN THE STATE. 

The foregoing are the statements of the one hundred and twenty- 
three Fire and Fire and Marine and Marine Insurance Companies 
doing business in this state on the thirty-first day of December last* 

They may be classified as follows: — 

No. Awets. 

Stock Cos., of Connecticut, 13 $15,337,44 

Mutual, " " 17 757,579 82 

Stock " other states 74 59,707,324 02 

Mutual " " " 4 1,319,007 08 

Marine " " " 2 2,017,930 40 

Foreign " " " 11 12,872,336 27 

Plate Glass Co., 1 109,470 43 

Steam Boiler Ins. Co., Hartford,l 23S,085 45 

123 $92,359,842 27 

During the year seventeen companies of other states were admitted 
to do business in this state, live of which were expelled or withdrew 
of their own accord before the year closed. Eight others doing busi- 
ness in the state at the commencement of the year also withdrew or 
were expelled. 

The following is a list of the companies admitted, with the date of 
their admission : 



Companies. 



Attorneys to accept service. 



Date of 
Admission. 



Ridgewood, Brooklyn, N. Y., Ckas. W. Preston, Hartford Jan. 16. 

Safeguard, New York City, Judak Frisbie, New Haven. Jan. 31. 

Clay Fire and Marine, Newport, Ky., Isaac D. Smitk, Hartford... Feb. 1*). 

Skoe and Leatker, Boston. Mass., J. W. Smith, Waterbury. ... Mar. 20. 

Manufacturers, Newark, N. J., C. C. Kimball. Hartford July 1(>. 

Oswego and Onondaga. Pkenix. N. Y.,... S. Ckapman, Jr., Hartford. Mui\ 

New Hampshire, Manchester, N. H !. G. Nortk. New Haven. .. Aug. 21. 

Metropolitan Plate Glass, New York City. S. Ckapman. Jr.. Hartford. Sept. :{ 

Royal Canadian, Montreal, Canada, O. C. Kimball, Hartford Sept, if 

Rochester German, Rochester, N. Y., 0. M Webster, Hartford.... Sept. 'J:\ 

Gerinania, Newark. N. J., George B. Fisher, Hartford. Oct. l[ 

Citizens Mutual, Boston, Mass., |S. Ckapman, Jr., Hartford. I Nov, 19' 

In August the capital of the Clay, of Newport, Ky., was found to 
be impaired and the licenses of its agents in this State were revoked. 
The impairment of lite capital of the company was soon after made up 
by a cash subscription of its stockholders, and it was re-admitted to 
do business in the state. 



INSURANCE COMMISSIONER. 



357 



nrsiNEsx ix Connecticut. 



The amount of business done in the state during the year may be 
thus slated : — 











Per ct. 




Risks Writteu. 


Premiums Rec'd. 


Losses Incurred. 


of loss, 
to prem 


Stock Co's of Conn 


$66,983,987 00 


$764,484 42 


$363,373 99 


48 


Stock Go's of other states 


62,983.850 00 


855,365 24 


541,818 68 


65 


Mut. Co's of other states. 


1,864,#63 00 


23,851 27 


8,627 62 


35 


Foreign Cos 


15,919,967 00 


234,219 23 


153,729 89 


65 







Total, |$U7,952,667 00 1 $1,877,920 16] $1,067,550 18J 57 

The only stock company in this state reporting this year for the first 
time, is the City Fire in New Haven. This company was chartered in 
1850, but suspended business many years ago. It lias been revived 
and placed, it is believed, on a permanent basis. 

The last General Assembly chartered the Bristol Mutual of Bristol, 
and Home Mutual of Stafford. These companies did not organize in 
time to transact any business during the year 1874. 

Assuming the commissions, incidental expenses and the proper 
proportion of the expenses of management to be 25 per cent, of the 
premiums received, the business of the state has, in the year 1874, 
produced for the companies, over losses and expenses, at least $340,- 
500 00. 

The following brief tables are of interest in this connection, show- 
ing the fire business in this state for the past two years, and the en- 
tire business for the same time of all the companies authorized to do 
business in this state. 






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X X 



INSURANCE COMMISSION!;!;. 359 



THE BUSINESS OF TIIR YKAI.'. 



The year 18 74 was a prosperous one for the insurance companies. 
Taking the Connecticut companies as a standard of the general pros- 
perity, it will be seen that their income was $ 1 0,735,383, 37 ; their 
expenses, exclusive of dividends, S7, 358, 154, 33. In addition they de- 
clared a dividend of $1,302,156,72, which was 20 pel' cent, on their 
capital stock of $0,892,000. 

Whilst this prosperity has attended well managed companies, the 
disasters to those of a different character have been as plentiful as at 
any former period. Prosperity in this business is not a mere matter 
of luck. Great disasters, like that of Chicago, are beyond the calcu- 
lations of the best of men, and sweep all within their path into a com- 
mon ruin. Prosperity has no such great and sudden circumstance to 
hasten or magnify it. If it comes at all it only comes by slow process- 
es, unceasing vigilance against imposition, by a careful selection of ac- 
tive and conscientious agents, by a close and intelligent examination of 
risks assumed and promptness and courage in decision, by economy 
in expenditure and a judicious husbandry of resources in hand, and 
back of all these things, by acquiring and maintaining a solid character 
for that high sense of commercial honor which squarely meets all 
honest obligations without complaint or equivocation in a time of dis- 
aster. A want of these conditions leads to certain, if not sudden, ruin. 

ASSETS AND INVESTMENTS. 

The important question connected with the admission of companies 
of other states to do business in this state is that concerning their assets 
and investments. The law provides that such companies shall be " pos- 
sessed of at least one hundred and fifty thousand dollars of cash cap- 
ital paid up and securely invested," but gives no explanation of what 
is meant by secure investments. In the case of savings banks in this 
state, the law specifies the securities in which their funds shall be in- 
vested, but insurance companies are without restriction in this res- 
pect either in the laws of the state or the charters under which they 
work. 

At the Convention of Insurance Commissioners in Detroit, last Sep- 
tember, this subject came up for discussion, and was referred to a 
committee. This committee could only agree upon what should not 
be allowed as assets. They embodied their opinions in the follow- 
ing resolutions : — 

Resolced 1 As the sense of this convention, that the practice of stock 
fire insurance companies, at their organization, in taking mortgages 
upon the lands of stockholders in exchange for stock, particularly up- 



REPORT OF I 1 1 K 

ou homesteads and unproductive lands, is contrary to the true intent 
oi law, adverse to the interest of the insuring public, and Bhould not 
intenanced by official sanction. 

R lived, Aa the sense ol tbia convention that the following it 
frequently returned by companies in their annual statements, aa a 
part of their available assets, do not constitute in any manner the true 
assets of the company, and Bhould not be received and reported as 
such by the insurance departments of the several States. 

I . ( lompany's <»\\ n stock. 

•_'. Loans on company's own stock. 

Stock in any <»thcr insurance company of the same character. 

4. Agency supplies, printed matter, and stationery. 

.">. ( Office furnitui . - and fixtures. 

0. Casb in haii<is of officers or agents due the company more than 
three months. 

7. Premiums overdue more than three months. 

B. Advance s to agenta or officers to be repaid out of the future sal- 
or commi 

'.'. Interest in commuting commissions. 

10. Loans on personal security. 

The rules here laid down are clearly in the direction of safety, but 
the companies of Connecticut cannot be held to them by compulsion, 
without further legislation. The difficulty ia in having one ruli 
companies in this state and another for those out of it. The companies 
in this state are working under their charters and our statute laws. 
This department has no power over them so long as they act in 
conformity thereto. It- rulings in regard to companies of other states 
are practically arbitrary. But there is a question of common fail I 
and reciprocal courtesy involved. Our companies extend their business 
all over the other states of the Union. Ought we to apply any test 
to others that we should not be willing to have others apply to them? 

This question has another aspect. Aa a rule the companiea of this 
state preaent a list of assets of the soundest and most reliable charac- 
ter. Ought we to admit companies from other states to compete 
with them on our own ground with assets of doubtful intrinsic value, 
and no market value at all ? 

As a general rule insurance companies have no excuse for holding 
assets of equivocal value. Their business is purely a cash business. 
They go into the market to purchase their securities with money in 
band, and if they do not Becure an equivalent for it, they are either 
corrupt or unfit for their business. They Bhould be held to a rigid 
accountability for the performance of their duty in this respect. 

Assets may be defined as strictly that which a solvent company 
can readily turn into cash to meet its liabilities. An insolvent com- 
pany, about to go into the hands of a receiver, might be credited with 
many things aa assets which could not properly be credited to one 



INSURANCE COMMISSIONER. 361 

that is solvent, such as its furniture and working tools of every de- 
scription. How far " loans on personal security" should be credited 
as assets cannot be determined by a sweeping rule. There is nothing 
in the laws of Connecticut to prevent them, and. I believe, nothing in 
the charter of any company that prohibits them. Loans of this char- 
acter are so interwoven with every part of the machinery of our com- 
mercial system that no business can be transacted that does not re- 
cognize them. Every certificate of bank stock represents them and 
nothing else. Every dollar deposited in bank is to the same extent 
and in the same manner represented by them. Banks secure their 
notes by a pledge of public stocks, but their stockholders and deposi- 
tors rely, and wholly rely, for their protection, upon their bills re- 
ceivable, which are " loans on personal security." True it may be 
said that bank directors are more watchful of loans of this character 
than insurance companies can be, and better judges of them, but this 
does not alter the nature of this class of loans. It only suggests 
a close scrutiny of them and the duty of applying an accurate judg- 
ment upon each loan by itself. It is to be presumed that no company 
will invest largely in this class of loans. If nothing else will prevent 
them the fact that they are looked upon with suspicion by so many of 
the state insurance departments will have a restraining influence. Still, 
within reasonable limits they are as reliable as any other form of 
credit, and as readily convertible into money. 

The practice allude .1 to of making up the capital stock of compa- 
nies by mortgages of homesteads and unproductive lands, is wholly 
unknown among the fire insurance companies of this State, aiid cannot 
be too severely condemned wherever it exists. 

Overdue balances in the hands of agents, and advances to agents 
to be repaid out of future salaries or commissions, are very properly 
marked for exclusion from the assets of insurance companies. Loans 
on company's own stock, or on the stock of other companies of the 
same character, are not such as a prudent board of directors would 
seek for, and when made to any considerable extent, are evidence of 
improper favoritism. The Connecticut companies, all together, have 
not more than $13,000 loaned on the pledge of fire insurance stocks. 

This whole subject, as before suggested, is surrounded w T ith diffi- 
culties, and as the law fixes no rule for guidance in it, in acting 
upon it, I shall endeavor to be governed by what seems to be just and 
impartial to all, attempting to place all companies doing or seeking 
to do business in the State upon terms of equality so far as it is pos- 
sible, and demanding above all things that they shall demonstrate 
that they have the power and the disposition to perform their honest 
contracts. 
46 



302 REPORT OF THE 

I ■ allow the unreasoning demands of the people for free 

trade in insurance, nor the clamors of interested agents, to induce me 

How a company to enter the State for business that does not 
a perfectly solvent and hon h ill a company that does not 

- remain in the State if I can drive it out. 

In the nature of things it is not possible for this department to 
directly supervise all the affairs of all t lie companies of other St 
doing business in this Slate. Indeed, the statute provides that the 
Commissioner may at discretion accept in lieu of personal investiga- 
tion, the certificates of the insurance authorities of other 
the condition of their insurance companies. In this view of the case it 
is earnestly to be hoped that the standard of State supervision will 
be everywhere elevated so that unquestioned faith can be placed in 
smcli certificates wherever they may be offered for acceptance. The 
special business of this department will be to see to it that Connecti- 
cut is placed in this high position. 

The investments of insurance companies, like those of savings 
banks, should be made with a view, first to security, but the next im- 
portant consideration should be ready convertibility, and herein they 
should differ from those of savings banks. An insurance company 
may, as recent experience has shown, be called upon at a day's notice 
for every dollar of its nominal assets, and this without any fault of 
its directors or any unsoundness in the principles upon which it is 
managed. A savings bank, honestly and prudently managed, resting 
upon real estate security, is practically undisturbed forever. Real 
estate mortgages, for the investments of insurance companies, 
while they answer the requirement of security, are not readily con- 
vertible into money, and should not, therefore, form the principal 
portion of their assets. 

STATISTICAL TABLES. 

The statistical tables which conclude this report embody in a con- 
venient form for comparison all the facts given elsewhere in detail 
concerning the companies doing business in this State. 

Table I shows the capital of the stock companies of Connecticut 
to be $6,892,000 ; gross assets, $15,337,448,20; liabilities above cap- 
ital, "lo.;:: : surplus as regards policy hold, rs, $9,757,4 
87; liabilities including capital, $12,472,019.73; and surplus over 
all liabilities, $2,465,428.47. Of the assets the Hartford companies 
have $14,107,117.84, and all the other companies of the State. $1,- 
230,330.30. All the other companies licensed to do business in the 
State have assets to the amount of $73,899,327.97 : liabilities not in- 
cluding capital, $31,353,924.64, and a surplus as regards policy hold- 



INSURANCE COMMISSIONER. 363 

ers, of $42,545,403.23. The whole amount pledged for the protection 
of their policy holders by the companies doing business in the State 
is $89,236,776.17. 

Table il shows the kind of property composing the assets of the 
companies. The Connecticut companies have in real estate and loans 
on bond and mortgage, about 16 per cent, and in stocks and bonds 
and loans on same, and cash and cash items, about 83 per cent, of 
their assets. All the other companies doing busines in the State have 
in real estate and loans on same, about 32 per cent, and in stocks and 
bonds and loans on same, and cash and cash items, about 66 per cent. 
of their assets. 

Table III shows the items composing the liabilities.' of the com- 
panies other than the capital stock. They consist almost entirely of 
losses adjusted, unadjusted and resisted, and the re-insurance reserve 
which is definitely fixed by statute. 

Table IV shows the sources of income of the companies. 
Table V divides the expenses of the companies under their 
several heads. The Connecticut companies, it will be seen, ex- 
pend in salaries, commissions and other things within their control, 
$2,468,824 69 to collect $9,571,696 05 in premiums, or twenty-five 
per cent. All the other companies expend $12,867,796 6S to collect 
$40,752,646 01, or thirty-one per cent. 

Table VI has some very important ratios that will be of interest 
to practical insurance men. The ratio of total expenses to total 
income, of losses to income, and of commissions to premiums, is here 
given for every company doing business in this State. 

Table VII shows the amount of risks in force at the close of the 
last year, premiums received thereon, average premiums, losses, &c. 
Table VIII is a summary of the business in Connecticut for the 
year 1874. 

Table IX is a comparison of the risks written and premiums re- 
ceived in 1873 and 1874, with the average premium rates of each 
company. 

Table X shows the percentage of income to losses, divirfends, 
commissions, expenses of management, <fcc. for the years 1873 and 
1874. 

The preparation of these tables involves a greater amount of labor 
than a person unaccustomed to such work can realize, and it is all 
labor lost if those interested in the prosperity pf the insurance sys- 
tem do not give them close attention. By means ot them any test can 
be applied, or any comparison may be instituted, that may be desired. 
There are enough companies managed with the highest degree of in- 
telligence, skill and honesty, to form a standard of excellence, and I 



3(U KKPOKT OF THE 

have faith to believe that the tendency of the insurance business, un- 
der the light thrown upon it by an unsparing supervision, is towards 
their example, rather than in a contrary direction. 

A'l rORNBTS r0 a. • BPT RBBV > 

Bach insurance company chartered by another State, and do 
business in this State, selects its own attorney upon whom civil pro. 
can be served in case of litigation. This saves the expense and 
delay of being compelled to resort to the courts of distant Stat. - 
of the United States, for the protection of the rights of policy holders 
in this State. Cases "have recently arisen in other States, and are lia- 
ble to arise in this State, where, by the removal or death of the attor- 
neys, the design of this salutary provision of the law was frustrated. 
The only effectual remedy for this lies in a statutory provision making 
the Insurance Commissioner the attorney ex-officio for the purpose 
above stated, of all insurance companies not chartered by this State 
and doing business under our laws. No reason can be given why this 
should not be done, and the reasons in favor of it are so obvious that 
they need not be stated. 

A NEW IDEA IN INSUBANCB. 

In his report to the legislature of the State of New York in 1874 
the Superintendent of Insurance presented a plan to provide security 
against extraordinary conflagrations, and for the creation of safety 
funds by fire insurance companies. A law was passed in conformity 
with his recommendations, and is now a part of the insurance policy 
of the State. 

The law authorizes any company to create from its surplus earnings 
two funds, called respectively the "guaranty surplus fund" which 
shall be held and invested by the company with its other funds, and 
is applicable to the payment of general losses, and the "special reserve 
fund," which shall be deposited with the Superintendent of Insurance. 
Until these shall together equal the capital stock, no dividend shall 
be made exceeding seven per cent, on the capital and surplus, but the 
whole amount of net profits in excess of such dividends shall be equal- 
ly divided between the two surplus funds. Of these, the "special 
reserve fund " i^ to be deemed a fund contributed by the stockholders 
t » protect the company and policy holders "other than claimants for 
losses" in case of conflagration so extensive that tin' losses exceed the 
amount of the capital stock. It is not applicable to the payment of such 
-.but together with there-insurance fund goes to form a new 
capital, so that the business of the company may be continued in 
spite of it> misfortune. In case of the impairment of the capital of a 
company in the ordinary course of its business, the special reserve 
fund may be drawn upon to make the impairment good. 



INSURANCE COMMISSIONER 365 

An advocate of this law thus Illustrates its working: — "A company 
has a capital of half a million dollars and is earning $85,000 a year. It 
divides 7 per cent, directly to its stockholders, which amounts to 
$35,000, and accumulates $50,000 as a reserve. Half of this is held 
as a guaranty fund against unexpected and unusual losses, and half is 
invested and deposited with the Insurance Department as a special 
reserve. A dividend may be paid on the accumulation as on the reg- 
ular capital, and the above division be continued until the two 
branches of surplus equal the capital. This goes on, therefore, for ten 
years, and then there comes a sweeping contiagration. To meet this 
the company has its half million capital and its $250,000 guaranty 
reserve, together $750,000, with which to pay losses that have occur- 
red in a day. This is all swept away by the sad calamity. But there 
remains $250,000 of the special reserve, which is not then liable for 
any such loss already incurred, but which, in such a contingency, be- 
comes new capital to protect the remaining policy holders, and to en- 
able the company to go right on with its business. What a world of 
anxiety would such a special reserve prevent among the insured who 
have met no losses, but who are questioning at each great calamity if 
their policies may not be worthless ! 

"In plain terms the law proposes a novel method of recuperating 
insurance companies whose capital may be impaired by great and sud- 
den losses. Instead of dividing the money to the stockholders and 
leaving them to subscribe it again when the company needs it, the law 
proposes to deposit it in the Insurance Department, where it may 
rest, being securely invested for the shareholder, and be brought out 
at the moment when the company would otherwise be compelled to 
suspend or to assess its constituency for a contribution. 

u When a great loss has impaired the capital of a company, the 
policy holders whose property is still intact are forced to re-insure at 
once, or to wait with limited protection until a fresh subscription is 
made up for their security. But in the plan proposed there is a spe- 
cial reserve awaiting the contingency, and self-adjusting to the need 
at the critical moment." 

The adoption of this system by the insurance companies is purely 
voluntary. No one proposes to compel them to adopt it It is suf- 
ficient for me, therefore,- to call the attention of the General Assembly 
to it as a new feature of public policy which may be presented for 
their consideration. 

It is proper, however, for me to say of this proposed new feature in 
our insurance system, that it does not meet with the approval of the 
underwriters of Connecticut. They want nothing to do with any 
plan that protects a dollar of their assets from liability for their debts. 



RE .'• THE 

They will use every possible pi t to avoi . li&asters, but 

when in tbe i tits they are overtaken by them, they ask 

for do Legislation to interfere with their s< i which impels 

them to lay at the feet of their creditors all their capital and accumu- 
lations to iii" Last dollar, and thej are willing to take their chances in 
competition for business with those who adopt a different policy. 

5E REPRESENTATIONS. 

The practice of falsely representing by advertisement the capital 
and condition of a fire insurance company is one that should be re- 
buked. The most flagrant example of this that has recently c 
under my observation is that of the i; Royal Canadian' 1 of Montreal 
The agents of this company in New York advertise its " capital, 
SO, 000,000," in large type in the papers of that city, and this example 
is followed in the other cities of the country. The sworn statement 
of the company to this office on the first of January Last has this in 

rd to its capital — "Joint stock or guarantee capital author 
$G,000,000— capital actually paid up in cash, $536,930." It c 
nothing to authorize capital, and this holding out its authorized capi- 
tal as its real capital, is an act which we should be sorry to believe 
the company itself is responsible for. It is unfair to those companies 
who fairly represent their condition, and a fraud upon those who are 
seeking insurance. 

RECEIPTS UNDER RECIPROCAL LAWS. 

The entire receipts of this office, with the exception of the amount 
received for valuations of life policies, for certificates of such valua- 
tions to be filed in other States, and an insignificant amount paid by 
companies of this State for filing annual statements, are collected 
under the provisions of the so-called reciprocal statute. 

This statute provides that companies of other States desiring to 
transact business in this State shall be only subject to the payment of 
such fees and taxes, and to such other impositions ;is the S?atcs where 
such companies are located shall impose upon Connecticut companies 
doin^ business therein. 

The purpose of this statute was not to create a revenue for the 
State, but to promote the abolition of oppressive burdens upon the 
business of insurance existing in other States, and to secure, under 
necessary restrictions for the protection of the public against impost 
tion and fraud, absolute free-trade in the business of insurance in all 
the Stat( i. 

The magnitude and wide extent of the business of the insurance 
companies of this State rendered the abolition of these burdens of 
great importance both to the companies and the State, and this was 



INSURANCE COMMISSIONER. 861 

especially true of those statutes requiring the payment of large 
license fees and taxes, a i<l the making of deposits in the several 
States as a condition precedent to the transaction of business. Since 
the enactment of this statute several of the States have adopted pro- 
visions of a similar character, and repealed statutes requiring the pay- 
ment of licenses and taxes, and the making of deposits, and largely 
reduced the fees and other exactions heretofore imposed upon the 
companies. 

The effect of these changes is apparent in the reduction of the re- 
ceipts of this office under the reciprocal statute, from $24,000 
received from September, 1871, to March, 1873, to $12,500 received 
from March, 1873, to March, 1875, or nearly fifty per cent. 

The advantage of this reduction enures directly to the benefit of 
the companies of this State in relieving them of payments in other 
States, largely exceeding in the aggregate the amount received by 
this office. 

By recent legislation in the State of New York, at the instance of 
the Superintendent of Insurance of that State, he is authorized to re- 
mit in future all fees and charges except those accruing under reci- 
procal laws. The action proposed under this statute by that officer 
will still further decrease the income of this office from this source, 
and correspondingly relieve our companies from payments in the 
State of New York. 

The arrangement made with the State of New York under the au- 
thority of an act passed at the last session of the General Assembly, 
by which duplicate valuations of the policies of the life companies of 
this State are made and certificates thereof furnished in accordance 
with the requirements of the laws of the several States, while it has 
reduced the receipts of this office for valuations from $19,170, 
in 1874, to $11,774, in 1875, and will cause a still further reduction 
in future, has relieved cur companies from the trouble and expense 
of furnishing complete lists of their policies to the various States 
where they do business, and paying for valuations in each of them. 

TAXES. 

The present system of collecting taxes upon premium receipts of 
foreign insurance companies, and under the reciprocal statute, re- 
quires the Insurance Commissioner to obtain returns from insurance 
agents for the twelve months ending on the first day of -October in 
each year, showing the amount of the premiums received for each 
company, and to issue a certificate of the tax due thereon, which tax 
is payable to the State Treasurer on or before the 20th day of Octo- 
ber. This system, in requiring, the work to be done by two offices, 
makes necessary the duplication of accounts and a continual com- 



368 0! THI 

munication between them to determine the names and amounts duo 
from delinquent agents, and to intelligently conduct the correspon- 
dence in reference then 

i reason exists for making a distinction between the payment of 
to tiif State through this office and the paym accruing 

under the reciprocal Statute and the insurance laws, where the work 
in each < me by the Commissioner. 

The taxes referred to are collected by insurance officers in other 
States and turned over to the State with the other receipts of the 
of lice. 

The Commissioner recommends the passage of an act directing the 
collection of these taxes by him, and the payment of the same to the 
Treasurer, as now provided in reference to the income of his oftice 
from other sources. 

An act should also be passed requiring the returns for the purposes 
of taxation to be made on the first day of January in each year, in- 
stead of the first day of October, thus enabling the Commissioner, by a 
comparison of the returns of the several agents with the statem 
of the companies, to determine their accuracy. At present lie is un. 
able to verify, in any manner, the agents* returns, and can only assume 
them to be correct. 

The change here recommended was made in reference to the Life 
Companies of this State in 1871, in order to enable them to make a 
return to the Comptroller, for purposes of taxation, corresponding to 
their annual statements to the Insurance Commissioner. 

Another act in this connection authorizing the licensing of insur- 
ance brokers, and requiring them to make returns of premiums re- 
ceived by them, for taxation, would add a considerable amount to the 
revenue of the State, as it is believed that a large amount of business 
is transacted in this State by persons acting privately as brokers, from 
which the State receives no revenue. 

cox <i USION. 

In concluding this my first report, it may be permissible to express 

the hope that nothing has been omitted that is neccessary for a full 
understanding of the condition of each lire and lire and marine insur- 
ance company doing business in the State, and of its transactions for 
the pa^T year. The interests involved in the insurance business oi this 
State are of great magnitude. With the exception of the companies 
of New York and Pennsylvania the companies of this State have a 
larger amount invested in it than those of any other Slate in the 
Union. They transact one-eighth of the entire insurance business ot 
the United States. They have perpetually outstanding lire risks in 
force equal to twice the amount of the entire grand list of all the real 



INSURANCE COMMISSIONER. ^(><) 






and personal property of Connecticut, and last year had a cash in- 
come of more than $11,000,000, all but $705,000 of which came to 
tlif companies in the city of Hartford. To protect this great interest, 
both as it regards the insurers and the insured, is one of the objects 
for which the office I now hold was created. This object shall never 

be lost sight of by me. 

Respectfully submitted, 

JOHN W. STEDMAN, 

Insurance Commissioner of the State of Connecticut. 
47 



870 RECEIPTS, BXPENSE8, ETC. 



Statement of the Receipts and Expenditures of the Insurance 

Commissioner's Office for the year ending March 31st. 

Is;;,. 

RECEIPTS. 

For Valuation of Life Policies, .... 

Licenses, - 

Filing Statements, - ... 

Filing Charters, ------ 

Agents' Certificates, - 

Certificates, ------- 

Blanks sold, - - 

Total received and paid State Treasurer, - - $19,722 09 

EXPENDITURES. 

For Valuation of Life Policies, - - - - 
Salary of Commissioner, - 

Other Salaries, 

Office Expenses, including rent, - 

Printing and Binding, ----- 

Traveling Expenses, ----- 

Postage, express and telegraph, 

Stationery, - - 

Library, - - 



Amount drawn from Treasurer, 
Surplus of Receipts over expenditures, 

Total, ----- 



$11,733 


92 


1,686 


67 


2,305 


00 


240 


00 


2,895 


00 


860 


00 


1 


50 



$6,677 


08 


3,500 


00 


3,352 


08 


1,493 


23 


902 


37 


993 


19 


400 


48 


120 


12 


40 


30 


$17,47- 


85 


2,243 


24 


$19,722 


09 



Statistical Tables. 



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STATISTICAL TABLKS. 



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INDEX, 



Introduction, , . 3 

STOCK FIRE AND FIRE AND MARINE INSURANCE COMPANIES OF THIS STATE. 

iEtna, Hartford, . 7jNational, Hartford, 31 

Atlas, Hartford, 12Norwalk, Norwalk, 34 

City, New Haven 15 Orient. Hartford. 36 

Connecticut, Hartford a 1 7 People's, Middletown........... 40 

Fairfield, South Norwalk, 20 Phenix, Hartford,.... 12 

Hartford. Hartford, 23 Security, New Haven, 45 

Meriden, Meriden, 27 Hartford S. Boiler Insp., Hartford,. 48 

MUTUAL FIRE INSURANCE COMPANIES OF THIS STATE. 

Danbury, Danbury, 53 (Middlesex, Middletown, 64 

Farmers, Suffield, 5 4 jNaugatuck Valley, Ansonia, (b)76 

Farmers, Woodbury, 55 \ New London County, Norwich, 66 

Farmington Valley, Farmington,.... 56 Norwich, Norwich, 68 

Greenwich, Greenwich, 57lRockville, Eockville, 69 

Hartford County, Hartford, 59 State, Hartford 70 

Harwinton, Harwinton, (a)76| Tolland County, Tolland. 72 

Litchfield, Litchfield, 61: Windham County, Brooklyn.. 74 

Madison, Madison, 62' 



FIRE AND FIRE AND MARINE INSURANCE COMPANIES OF OTHER STATES. 

t9 Clay, Newport, Ky., ...... 



Agricultural, Watertown, N. Y.,... 

Allemannia, Pittsburgh, Penn 82 

Amazon, Cincinnati, Ohio, 84 

American Central. St. Louis, Mo.... 87 

American, Philadelphia, Penn 89 

Atlantic, Brooklyn N. Y. , 92 

Atlantic, Providence, B. L, 95 

Bangor, Bangor, Me 97 

Black Biver, Watertown, N. Y., lOOFaneuil Hall, Boston, Mass., 

Capital City, Albany, N. Y., 103 Farragut, New York City, 

Citizens, New York City, 105|Fire Assoc, of Phila.. Phila., Pa.,.. 

Citizens, Newark, N. J.,.. 108 'Fireman's Fund, San Francisco, Cal 

Citizens, St. Louis, Mo., Ill Franklin, Philadelphia, Pa., 



Commerce, Albany, N. Y., 

Commercial, New York City, 

Continental, New York City, 

Equitable, Nashville, Tenn., 

Equitable, Providence, R. I., 

Exchange, New York City,...,........., 

Fame, Philadelphia, Pa., 



113 
116 
118 
121 
124 
126 
129 
132 
134 
137 
139 
142 
145 



ill 



[NDKX. 



Franklin. Indianapolis, Ind "148 

German American, New York City, . Lftl 

Germ uiia. New York City 1">I 

Gtannania, Newark, N. •• 157 

Gtirard, Philadelphia, Pa 159 

Globe, Chicago. Ill 162 

Hanover, N.-w Fork City 164 

Hoffman, N.-w York City i<;7 

Home, New York City 170 

Home. Columbus, 174 

Home, Newark, N. J.. 177 

Howard, New Y'ork City, 1 79 

Humboldt. New York City. . 182 

Ins. Co. of No. Am.. Phila.. Pa...... 1-1 

Irving. New Y'ork City 188 

Lamar. New Y'ork City 190 

Lorillard, New York City. 1«J3 

Manhattan, New Y'ork City, 195 

Manufacturers, Newark. N. J., 198 

Merchants, Providence. R. 1 201 

Merchants. Newark, N. J 203 

Mssissippi Valley, Memphis, Tenn.. 206 

National, New York City 210 

New Hampshire, Manchester, N. H. 212 



Newport, Newport, R. I 215 

Niagara. New York (i<y -_M 7 

Northwestern Nat. Milwaukee, Wis. 220. 

ago A Onondaga, Phenii N. Y. 222 

Pennsylvania. Philadelphia Penn.. . 226 

People's. Newark N. J 228 

le's, Trenton N. J 281 

Phenix, Brooklyn N. Y 

Providence Washington, Prov. R. I. 237 

Republic. New York City 289 

Ridgewood. Brooklyn N. Y ~l\'l 

Rochester German. Rochebtei N. Y -41 

Roger Williams. Providence R. I.. 1M7 

Safeguard. New York City 250 

St. Nicholas New Fork City 252 

St. Paul. St. Paul Minn 254 

Shoe ct Leather. Boston Mass 258 

Springfield. Springfield Mass g 

Standard, New York City 26 \ 

Star. New Y'ork City 266 

Traders. Chicago 111 270 

Union, Galveston Texas 272 

Westchester, New Rochelle N. Y.... 27.". 
Williamsburgh City. Wilismb'gN.Y 



MUTUAL FIRE INSURANCE COMPANIES OF OTHER STATES. 

Citizens, Boston Mass 2831 Lycoming, Money Pa 288 

Holyoke, Salem Mass 235|Mech. A Farmers, Worcester Mass. 290 



MARINE INSURANCE COMPANIES OF OTHER STATES. 

Mercantile, New York City.... 295 | Pacific, New York City. 



PLATE GLASS INSURANCE COMPANY. 

Metropolitan Plate Glass Co., N. Y. City 



298 



301 



FOREIGN FIRE INSURANCE COMPANIES. 

Commercial Union, London Eng. ... 305 N. British & Mercantile, Lon. Eng... 330 

Hamburgh Bremen, Hamburg, Ger. 309 Queen, Liverpool, Eng :'.:'.l 

Imperial, London. Eng 313 Royal, Liverpool, Eng 338 

Lancashire, Manchester, Eng 31* Royal Canadian, Montreal, Canada. 343 

Liverpool & L. & Globe, Liv. Eng.. 321 Scottish Commercial, Glasgow Scot. $47 

Lon. Assurance Corp., Lon. Eng. . . 327 

MISCELLANEor<. 

Assets and Investments, 359 Magnitude of the insurance interest 368 

Attorneys to accepts service, 364 Receipts under reciprocal laws 

Business in Connecticut, 35 7 Special Reserve Fund 3<U 

Business of the year 359 Statistical Tables 

Companies admitted, 356 Summary comparison of business in 

Co's. doing business in the State. ... 356 Connecticut 358 

Department Receipts and Expeudi- Summary comparison of general bus- 

tures, 370 

Directory 352 

False representations, 36f> 



mess 

Tax on Premium Receipts, 






INDKX. 



415 



ST ATISTICA I, TABLES. 

Table 1. Capital, Assets, Liabilities, I Table 6, Income, Expenditures, Pre 

and Surplus 372 mi urns received Ax., 392 

Table 2. Items composing Gross Table 7. Risks in force, Premiums 

Assets, 37<> received &c 396 

Table 3. Items composing Gross Li- [Table 8. Business in Connecticut,. . 400 

abilities 380 Table 9. Comparison of Business, 

Table 4. Items composing Income 1873-and 1874 404 

daring the year, 384 Table 10. Percentage of income p'd 

Table.".. Items composing Expendi. to losses Ax., 408 

tares daring the year, — 388 



-So fate of ©onnecttciit. 

ANNUAL REPORT 

OF THK 

Insurance Commissioner 



TO THE 



tntml ||sstmtblg of t\t BteU f 

May ^Session. A. p. 1875. 



PART SECOND. 

lift AND ACCIDENT COMPANIES, 



Pbess of The Norwich Printing Co. 
1875. 



State of (Son necticut. 



TENTH ANNUAL REPORT 



INSURANCE COMMISSIONER. 



F^.R,T SEC! ON ID. 

LIFE AND ACCIDENT COMPANIES. 



To the General Assembly of the State of Connecticut: 

Part Second of the Annual Report of the Insurance Commissioner 
is herewith respectfully submitted. It contains a statement in detail 
of the condition of each of the Life and Accident Companies of this 
State, and of those of other States authorized to be represented by 
agents in this State, and of their business for the past year. 

The vast accumulations of these companies, representing as they do 
trust funds of the most sacred character, should attract the vigilant 
attention of the State, and it is felt to be the duty of the undersigned 
to throw all possible light upon the mode of their investment and 
upon the management of the companies having them in charge. The 
discharge of this duty should be without fear or favor. 

The delay in issuing this portion of the report has been caused by 
the labor of valuing the policies of the companies to ascertain the ex- 
act amount of their liabilities. The statute provides that 

" Every life insurance company chartered by this State shall, on or 
before the first day of March in each year, render to the Insurance 
Commissioner a report, signed and sworn to by its president and secre- 
tary, of its condition upon the preceding thirty-first day of Decem- 
ber, which shall include a detailed statement of its assets and liabilities 
on that day; the amount and character of business transacted; 
moneys received and expended during the year ; a descriptive list of 



1 REPORT OF THE [NSURANCI COMMISSIONER 

all policies and contract* of insurance in force on that day; ami such 
other information as the Commissioner may deem necessary j and if 

any company shall tail to make such report within the lime, it .shall 
be deemed insolvent. 

* Upon receipt of such report, the Commissioner shall make a val- 
uation of the policies of each company, and ascertain the amount of 
re-insurance reserve proper to be held on account thereof; and he 
shall for this purpose assume the rate of mortality shown by the so- 
called Actuaries or Combined Experience Table, and four per cent. 
compound interest ; and he shall value only net premiums." 

Under this statute every company in the state promptly reported 
to this office except the American National Life and Trust Co. of 
New Haven. That company made a scant and shabby report, and a 
false one so far as it pretended to be accurate, which was at once re- 
turned to them to be completed according to law. Its affairs will 
be reported upon elsewhere. 

The reports of the companies as received at this office, with our 
valuation of their policies, are here presented. The increasing inter- 
est in the subject of life insurance renders it necessary that they 
should be given in greater detail than ever before. 



CONNECTICUT 
LIFE INSURANCE COMPANIES. 



ABSTRACTS COMPILED FROM THEIR ANNUAL STATE- 
MENTS, SHOWING THEIR CONDITION ON THE 
31st DAY OF DECEMBER, 1874. 



.ETNA LIFE INSURANCE COMPANY, 

Hartford, Conn. 
Commenced Business July, 1850. 
Thomas O. Enders,, President. J. L. English, Secretary, 



I. CAPITAL. 

Capital actually paid up in cash, , $150,000 00 

II. ASSETS. 

Real Estate owned by the Company unencumbered i 

Canada, $800 00 

Hartford, 6,100 71 

Illinois, 106,635 43 $113,002 14 

Loans secured by deeds of trust or mortgages upon real estate. ... 6,657,976 02 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. and State Stocks : — 

U. S. Government bonds, $500 00 $500 00 

U. S. reg. 5-20's, 1868, 140,000 00 165,200 00 

U. S. reg. 5-20's, 1867, 100,000 00 118,000 00 

U. S. Coupon, 1865, 82.250 00 97,055 00 

U. S. 6's, 1881, 10,000 00 11,837 50 

South Carolina, 50,000 00 15,000 00 

Virginia State, 37,986 00 15,194 40 

Tennessee State, 34,000 00 19,720 00 

Mississippi State Warrants, 10,000 00 8.786 05 

Municipal Bonds :-*■ 

City of Terre Haute, 30, 000 00 28, 500 00 

City of Richmond, 25,000 00 21,250 00 

City of.Richmond, 8 per cent, . ... 80,000 00 30,000 00 

Edgar County, 67.000 00 53,600 00 

Paris Township, 15,000 00 12,000 00 

Mobile City. 150,000 00 120,000 00 

Georgetown Township, 80,000 00 30,000 00 

Newman Township, 12,000 00 11,700 00 

Camargo Township, 15.000 00 14.625 00 



,1KK IN8UKANCK 



Pat Value Market Valu<?. 

Garrett Township, $18, 10 |12,675 00 

Elwood Township, 82,000 00 32,000 00 

Hartford Town L0-80e 21,000 00 21,0< 

Warren Comity 1,000 00 

Hartford City (non taxable,) 69,000 00 69,0 

Hartford Town " 11,000 00 10,975 00 

Hartford Capitol " 88,oon 00 -no 00 

Hartford Funded Debt, 222,000 00 211,620 00 

Cleveland City 238,000 00 237,230 00 

Louisville City, 100.000 00 89,750 00 

Marion County Court House. 100,000 00 500 00 

Munroe County 40.000 00 35,000 00 

Papiueau Township. G, 000 00 G, 000 00 

Macon County 52,000 00 k>,475 00 

Ford County, 58,000 00 58,000 00 

Brooklyn Township, 50,000 00 ::.7.")0 00 

Adams Comity. 50,000 00 37,937 50 

Kansas City (Mo.), 50,000 00 45.000 00 

Mt. Pulaski, 30,000 00 30,000 00 

Town of Grant. 20,556 00 20,41 

Penn Township 19,000 00 18,525 00 

Town of Moline, 25, I 00 19,750 00 

New Britain City DO 00 29,153 70 

Christian County, 20,000 00 18,800 00 

Cook County. 25,000 00 22,750 00 

Sangamon County, 25,000 00 500 00 

Sangamon County 10 per cent... 15,000 00 15,71 

Chicago Water loan, 50,000 00 50,000 00 

Springfield, 111 59 500 00 58,4G5 00 

" 8 per cent. 44,000 00 42,240 00 

" Water, 40.000 00 70 00 

Edgewood Town, 10,000 00 8,850 00 

West Hartford Town. 15,000 00 15.000 00 

Town of Pock Island, 17,000 00 41,125 00 

Elizabeth City Funded Debt, 25,000 00 23,562 50 

Elizabeth City Street Improve.,. 61,000 00 57.4-7 50 

City of Grand Kapids, 00 00 34,58183 

Town of Lennox, 10,000 00 -0 00 

Green County 20,000 00 IS. 200 00 

Hartford Town 00 00 29,000 00 

Peoria City. 10 00 4G,490 00 

Danbury Town, 19,000 00 18,050 00 

Town of Astoria, 5,000 00 > 00 

Ottawa City, ■■• 00 

Kankakee County, 00 -7 50 

Woodland Town, 00 

Toledo City B,000 00 7.400 00 

Town of Browning 5. mm. oo 1,500 00 

Beardstown City, 

BuahnellTown >0 00 21 B75 00 



COM TAN IKS OK THK STATE OK CONNECTICUT 



P«ir Value. Market Value. 

Peoria City 10 percent, $16,000 00 $16,000 00 

Macoupin County, t3,000 00 43,400 00 

Virginia Town. 4,500 00 t, 500 00 

Kicks Township 8,000 00 6,980 00 

Sangamon Comity, 50,000 00 40.000 00 

WhiteCounty 12,000 00 10,860 00 

Gallatin County 13,000 00 10.400 00 

Areola Town 25,000 00 * 24,375 00 

Moultrie County, 52,000 00 45.240 00 

Randolph County 59,000 00 51.330 00 

Town of Mat toon 27, M00 00 20,250 00 

Winchester Town 10,000 00 9,000 00 

Urbana Township. 8,000 00 7,680 00 

City of New Boston, 13.000 00 9,750 0o 

Town of Middleporfc, 15,000 00 14,700 00 

i; Belmont, 15,000 00 14,700 00 

' ; Galva, IT). 000 00 14,700 00 

Milford Township 20,617 15 20,204 80 

Keithsburg Town, 23,000 00 23,000 00 

DeWitt Township, 10,000 00 0,950 00 

DeWitt County, 30.000 00 29,850 00 

Town of Ross, 29,324 32 28,802 70 

Aurora Town, 14.000 00 13,860 00 

Town of Evans, 3.000 00 2,895 00 

Wabash County, 30,000 00 26.100 00 

Cleveland City Funded Debt, 52,000 00 52,390 00 

Jersey City, N. J., 130,000 00 122.900 00 

Newark City, N. J 174,000 00 174,000 00 

Buffalo City Water. 100,000 00 100,000 00 

Morgan County, 28,000 00 27.475 00 

Des Moines City, 40,000 00 40,000 00 

Evansville City, 28,000 00 25.200 00 

City of Ft. Wayne. Ind., 51,000 00 40,305 00 

Indianapolis City, 380,000 00 369,970 00 

City of Quincy, 50,000 00 37,564 00 

Milwaukee Water, 100,000 00 100.000 00 

Cincinnati City, 1 00, 000 00 1 00, 000 00 

Hudson County. 50,000 00 49,843 75 

N. Y.. consolidated 100,000 00 107,000 00 

Hartford City 10,000 00 10,000 00 

Hartford County Orders, 105, 000 00 105, 000 00 

Raileoad Bonds : — 

Conn River, R. R., 36,800 00 49,680 00 

N. Y., N. H. & Hartford, 95,500 00 127,015 00 

Indianapolis & Cincinnati, 50,000 00 42,500 00 

Columbus & Indianapolis, 50,000 00 42,500 00 

Cincinnati & Indiana 24,000 00 20,400 00 

Cleveland. Paine & Ashtabula.... 26,000 00 26,000 00 

Dayton & Michigan 15.500 00 14,415 00 

Little Miami, 1,000 00 1,000 00 

New York Central, 4,000 00 3,720 00 

2 



10 






i . -i! Pacific* 00 

100,1 :. 

\. I 

Keol 15,61 





Southern Mini ll. 

Southern 12, " 

1 ) V \ K I 

Co. Hartf 14, 1 

141,1 

•; -1. 

City % 

n:.< 

First National, 

I 00 
American Nati k ' r,736 00 

Farmers & Mechanics, • I 104,H 

Charter Oak National. '• 107,8 

ZEtna National, 

Soffield ■ 

New Britain National, 

Rockville National 

ropolitan Bank. N, Y 1 3, 1 1 

Dominion Bank, Canada 

Hartford Trust Co. , 21,0 

United States Trusl tf'd, 00 

MISCELLANEOUS : — 

ZEtna Fire Insurance Co. 12,222 

Atlantic Dock 00 00 

Total $6,423,1 10 95 



.428,6 



/ 

Par 

Hartford Carpet Co 

Willimantic Linen Co 

JEtna Fire Ins. Co. 

ZBtna Fire 16 Bi 

; 

I Nat. B'k. Snffield,... L/5 910 00 

Kellogg & Bulb 500 OOJ 

. 

iEtn; L0,< 

2,< 

12, 

Willimantic lin 

Hartford I 

V. S. Trusl Co ' LSI 



Ain't 
$62.1 18 hf 

) (I!) 

17 31 



L 7,300 00 



i 



COM TAN 11CS OK THE STATE OF CONNECTICUT. 



II 



Union Salt Co 

iEina Five Ins. Co., 

Willimantic Linen Co.,... 
Willimantic Linen Co.,... 

JEtna Fire Ins. Co 

First. Nat. B'k. Suffield, . 
N. Y.,N. II. fc Bart. R. R 
Connecticut Fire In.9. Co. 
Agawaiu B'k, Springfield. 

City Bank, Hartford, 

V. S. B-20's 

N. Y.,N. H. &Hart. R.R 
Town of Keithsburgh..... 

Town of Dayton, 

Mt. Pulaski Township.... 
Assignment of Mortgage, 
State Bank, Hartford,.... 
C. &N. West, E. E. pref. 
C. & N. West, E. E. pref. 
Milw'k & St. P. E. E. p'f. 
Milw'k & St. P. E. E. p'f. 
C & N. West, E. E. pref. 
L. S. & M. South'n. E. E. 

U. S. -Trust Co., 

Willimantic Linen Co 

N. Y.,N. H. &Hart. E. E. 

National Screw Co. , 

Agawam Canal Co., 

L. S. & M. South'n. E. E. 

U. S. Trust Co., 

N. Y.,N. H. &Hart. E.E. 
Metropolitan Bank, N. Y., 
N. Y.,N. H. &Hart. R.R. 
N. B'k. of Republic, N. Y. 

Mtna Fire Ins. Co. , 

Hudson County, N. J. , . . . 
Assignment of mortgage., 



Par Value. 
10 00 
4,000 00 
375 00 

8,125 00 

7.700 00 

3,700 00 

00 

200 00 
•100 00 
GOO 00 
4,500 00 
4,000 00 
1,500 00 
1,000 00 
1,000 00 

1,000 oo 

2,400 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10.000 00 

5,000 00 

5,000 00 

500 00 

4,000 00 

1,200 00 

2,500 00 

1,000 00 

6,000 00 

600 00 

700 00 

700 00 

500 00 

1,000 00 

4,000 00 



Markel Value. 
$42,500 00 
7,700 00) 
000 (JO) 
19,500 00 
14,938 00"] 
4,514 00 ' 
1,995 00 
00 I 
518 00 j 
018 00J 
6,310 00) 
5,320 ()o( 
1,500 00) 
1,000 00 ' 
1,000 00' 
1,000 00 
2,502 00 "1 
6,100 00 
6,100 00 

8,000 oo y 

8,000 00 j 

6,100 00 
7.500 00 j 
5,000 00 
12,000 00 
665 00 
8,280 00) 
600 00 ) 
1,875 ()0\ 
1,000 00 i 
7,080 00 
810 00) 
031 00 , > 
728 00' 
970 00) 
1,000 00 > 
4,000 00' 



Ami. Loaned. 
$25,000 00 

5,000 00 
6,500 00 



22,201 00 

10,000 00 

2,060 00 

981 61 

31,500 00 



4,000 00 

6,000 00 

350 00 

5,000 00 

1,800 00 
5,000 00 
2,000 00 

5,500 00 



Total,. 



$328,600 00 $496,534 00 $345,256 29 $345,256 29 

Premium notes and loans, on policies now in force. 4,664,483 45 

Cash in office of Company, $37,265 73 

Cash deposited in Bank 1,190,440 68 

Ca3h in hands of agents 56,809 54 



Total amount of cash items, 

Loans on personal security only, 

Interest accrued on cash loans and on bonds owned, 

Net outstanding and deferred premiums on policies in force, .. 
Due from other companies on account of re-insured risks, , 



1,284,515 95 

91,040 77 

655,754 82 

274,209 88 

50,100 00 



Total assets $20, 560, 200 



LIKK LNSUKAN4 h 

II. LIABDJ ii ; 

I anpaid 

M itared endowments dne and anpaid : 

1 end m menta in pro sees of 

adjustment 01 ind no( due 

69,008 IB 

Tot I policy ol dms $495,19 

Present value of all outstanding policies and ad- 
ditions thereto in force December 31, 1874, com- 
puted by the Connecticut Insurance Department, 
rding to the American Experience Table of 

Mortality, with 4 per cent interest, §18.371. COS 00 

Deduct re-insurance. 266,483 00 

18,106,16 

Unpaid dividends of surplus, or other description of profits due 

policyhi >lde ra 185,842 73 

llaneoua accounts 15,329 49 

Liabilities as to policyholders. $18,801,046 62 

Surplus as regards policyholders, 1,765,154 G5 

Total Liabilities, $ 20,566,24 

III. INCOME DURING THE YEAR. 

Gash received for new and renewal premiums $3,923,474 93 

Interest upon cash loaus, $638,780 80 

Interest upon bonds and dividends on stocks, 443,005 '."; 

Interest upon premium notes or loans, 2.30,889 07 

Interest upon deposits 43,803 00 

Discount upon claims paid in advance, '... 1,656 64 

Total interest and dividend income, 1,378, 195 59 

Cash other than premiums received from companies 

for assuming or re-insuring their risks, $60,481 00 

Income from other sources, viz.: Dividend's on policies 

re-insured, $9,133 50 J miscellaneous $13,- 

240.74; total, 22.380 24 

Miscellaneous cash income R2,861 24 

Total cash income , $5,38 1 . 53 1 7»'> 

Notes or other obligations taken for new and renewal premiums. . 684,16 57 

Total income $6 

IV. EXPENDITURES DURING THE YEAR. 
Paid for the Company's own losses and policy claims. 

and additions thereto $1,288*28* in 

Paid on account of policies Lapsed, surrendered or 

purchased 1,186,244 50 

Paid for dividends to policyholders i'"l.7: ,v - 16 

l f .l <-ash paid to policyholder* $2,674,327 06 



COMPANIES OF THE STATE OF CONNECTICUT. 13 

Commissions to agents $865,735 51 

Salaries and traveling expenses of managers of agen- 
cies, and general, special or local agents, 12,988 23 

Medical examiners' fees, 24,4S7 22 

Salaries and other compensations of officers and em- 
ployes, 67,400 98 

Total pay account, $470,011 94 

Premiums to other companies for £>o]icies re-insured, $50,740 93 

Dividends to stockholders, 45,000 00 

Taxes and revenue stamps, 119,264 29 

Rents 10,213 08 

Furniture, safes and fixtures for home or agency 

offices, 14,238 75 

Miscellaneous expenses, 48,000 93 

Total miscellaneous expenditures, 287,518 58 

Total cash expenditures, $3,432,457 58 

Notes and other premium obligations used in pay- 
ment of losses and claims, $108,950 95 

Used in purchase of surrendered policies 758,003 29 

Used in payment of dividends to policyholders, 189,074 50 

Voided by lapse of policies, 143,582 14 

Total premium loan disbursements, 1,199.070 88 

Total expenditures, $4,G32,128 40 



V. PREMIUM NOTE ACCOUNT. 

Premium notes and other premium obligations at 

beginning of the year, $5,180,072 25 

Received during the year, 084,100 87 

Total. #5,870,839 12 

Deductions during the year, as follows : Notes and 

other premium obligations used as above stated,. $1,199,070 88 
Redeemed by maker in cash, 0,084 7!> 

Total, $1,200,355 07 

Balance note assets at end of the year, $4,004,483 45 



VI. EXHIBIT OF POLICIES. 

Policies in force at the commencement of the year: 

Number. Amount. 

Whole life policies, 32,415 $08,429,053 00 

Endowment policies, 19,008 20,400,909 00 

Joint-lives and survivorships, 90 213,500 00 

Short term and irregular policies 1,403 3,754,087 00 



! 1 LTFK INS 

A>t policies issued the year: 

ber. An;. 

Whole life policies 

>wment policies 2,834 2, 

short term and irregular policies 899 2,451,986 00 

Old policies revived and increased in I during the year: 

I 

Whole life policies $156,410 00 

policies L5 52,665 (JO 

Short term and irregular policies 8 00 iiO 

Total number and amount , 

Deduct policies decreased and ceased to be in force 7,726 

Total policies in force at the end of the year 55,572 92 00 

Policies in force at the end of the year, including additions e 

Number. Amount 

Whole life policies 33,730 \ 

Endowment policies J9 S 

Joint lives and survivorships, 78 

Short term and irregular policies, 1,836 1,£ 

Total policies iu force at the end of the year, 55,572 >2 00 

Number and amount of policies which have ceased to be in force during the year: 

Number. Amount 

Terminated by death, G18 $1,369,460 00 

By expiry, 10 37,200 00 

By surrender, 3,733 6,841,570 00 

By lapse, : 2,117 9,4 

Not taken, 1,248 2.382,339 00 

Totals, 7,726 

VII. BUSINESS IN CONNECTICUT IN 1874. 

NumtM r. Amount. 

Policies in force in Connecticut, 

i during the year 560 641,413 

Premiums collected during the year, 251,450 66 

Death losses during the year, 41,284 <*<'*• 

Matured endowments paid 9.C18 00 



COMPANIES OF THE STATE OF CONNECTICUT. 15 



CHARTER OAK LIFE INSURANCE COMPANY. 

Habtfobd, Conn. 

Commenced Business Oct. 1, 1850. 

James C. Walklet, President. Halsey Steveks, Secretary. 



I. CAPITAL. 
Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Keal estate owned by the Company unencumbered : 

Company's building, Hartford, $844,380 54 

Dwelling House in Hartford, 7,500 00 

Property in Cincinnati and St Louis, 213,800 00 

$1,065,680 54 

Loans secured by deeds of trust or mortgages upon real estate,... 5,101,000 53 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
Municipal Bonds : — 

O'Brien Co., Iowa, judgment, $31,500 00 $31,500 00 

PaltoAlto Co., " " .... 3,000 00 3,000 00 

Washington Co., Neb. School, 15,000 00 15,000 00 

Jefferson Co., 111., 30,000 00 30,000 00 

Clintonia, " " 7,000 00 7,000 00 

Sac, " Iowa 10,100 00 10,100 00 

Quincy City, 111., 10,000 00 G, 000 00 

Leavenworth City, Kansas, 1,000 00 750 00 

Kansas City, 10,000 00 7.5.00 00 

Wabash Co., Ind., 10,500 00 10.500 00 

Cromwell, Conn., town, 5,500 00 5.500 00 

Haddam, " " 30,000 00 30,000 00 

Saybrook, " " 25,200 00 25,200 00 

Essex, " " 8,000 00 8,000 00 

Railroad Bonds : — 

Connecticut Valley, 1,000 00 050 00 

Conn. Western, * 1.000 00 750 00 



i»; 



i IFK INSUKANCK 



l';ir Value 

BlMK Stocks : — 

Farm >. Nat.. Hartford 

rioan " " . . 37,50 I I 

City '• " ... 2,600 00 

Charter Oak " " .. 2,500 00 

JEtna " •• ... 2,500 00 

Phoenix " »« ... 2,500 00 

ford •• " ... 2,500 00 

Coon. River Bank. Co., '• ... 5,000 00 

Merchants Hank. Si. Louis 1,750 00 

Soffield, Conn., National Bank :.\ 

ford Trust Co., 12,500 00 

•• 5,000 00 

Connecticut " " 4,500 00 

Aflfi ELLANEOUS : — 

N. Y.. N. II. & Hart. B. B. stock, 5,000 00 

haries, Mo., Bridge Co 20,000 00 

DesMoines, Iowa. Gas Co 50,000 00 

Hartford City Gas-Light Co., 2,500 00 

Total $366,050 00 



Market Value. 

50 00 
53,25 
2,725 00 
8,8 

4,050 00 
8.951 
6,200 00 
1. 750 00 
•) 00 
14,375 00 
5,300 00 
4,590 00 

6,650 00 
21,000 00 
55,000 00 

4,100 00 



$393,590 00 $393,590 oo 



Loans on Collateral. 



First niort. real estate 
Hart. Pump Co. b'ds, 
Weed S. Machine Co. 
Willimantic Linen Co 
Hart. City G. L., Co., 
JEtna Fire Ins. Co.,.. 
New Paver L. & W. P. 
Atlas F. I., Co. Hart. 
Real estate mortgage 

notes ft C. W. B. B. 
Conn. West B.B. b'ds, 
N. Y..N. II.. ft Hart. 

11. B. Co., 

First N. B'k. Hart.... 
New River L. ftW. P. 
Travelers Ins. Co.,. . 
Cen.N. B'k. Mid'twn. 
Nat. I. Co. Hartford. 
Contract of Agency,. 
Merchants Loan and 

T. Co., Patterson.. 
Conn. Valley B. B.,. 

2d tnort. bonds 

Total I 



t*ar 
Value 

20,000 00 

5,000 00 

4,500 00 

17.. "»00 00 
12.175 00 
15,100 00 

40,500 00 
5,000 00 

47,886 69 
15,500 00 

3,000 00 

3,000 00 

50,000 00 

7<to 00 
400 00 
GOO 00 

10,ooii 00 

1,250,000 00 



Market 
Value. 

20,000 00 

5.000 00 

5,400 00 

42.000 00 

19,967 oo) 

30,200 00 J 

40,500 00 

5,000 00 

59,911 69 

12.025 00 

4,800 00 

4,2oo 00 

40,000 00 

1,225 00 

00 

900 00 

10,000 00 



Amount 
Loaned. 

20.000 <U» 
2,000 00 
4,500 00 

21,042 79 

23.966 75 

33,00o 00 
2,500 00 

46,940 61 
9,450 oo 

4,300 00 

8,500 00 

22.000 00 

1,000 00 

300 00 

500 00 

5.000 00 



in.. mo 00 7,500 00 

1,187,500 oo* 1,083,456 14 



111,461 69 $1 199,728 69 $1,290,956 29 $1,290,956 29 



•The Commissioner denies the correctness of this valuation. Be believes It to be largely 

te.l. 



COMPANIES OF THE STATE OF CONNECTICUT. 17 

Premium notes and loans, on policies now in force, $3,701,981 96 

Cash in office of Company, $22,902 92 

Cash deposited in banks and Trust companies 859,097 85 

Cash in hands of agents, 70,484 54 

Total amount of cash items, $952,485 31 

Interest accrued and due on cash loans and bonds,. ..$310,090 22 
Interest accrued and due on premium loans and notes. 32,318 04 
Rents accrued, 5,280 00 



Total accrued interests and rents, 353,094 2G 

Net outstanding and deferred premiums on policies in force, 270,991 79 



Total admitted Assets, $13,250,440 68 



III. LIABILITIES. 

Claims for death losses and matured endowments, in 

process of adjustment, or adjusted and not due,... $180,700 45 
Claims for death losses and other policy claims resisted 42,500 00 

Total policy claims $229,200 45 

Present value of all outstanding policies and additions thereto, in 
force December 31, 1874, computed by the Connecticut Insur- 
ance Department, according to the American Experience Table 

of Mortality, with 4 per cent interest, 12,645,619 00 

Unpaid dividends of surplus, or other description of profits due 
policyholders, 38,490 82 

Liabilities as to policyholders, $12,913,310 27 

Surplus as regards policyholders, 343,130 41 

Total Liabilities, .$13,256,440 68 



III. INCOME DURING THE YEAR. 

Cash received for new and renewal premiums, $2,101,815 42 

Interest upon cash loans, $335,416 40 

Interest upon bonds, and dividends on stocks, 33,220 67 

Interest upon premium notes or loans, 193,136 47 

Interest upon other debts due the company, 97.800 80 

Rent received for use of company's property, or un- 
der sub-lease, 40,049 71 

Total interest, dividend and rent income, 099,084 11 

Total cash income, $2,801,491) 53 

Notes or other obligations taken for new and renewal premiums, . 1,125,092 00 

Total income $3,920,591 53 

8 



18 LIKK INSURANCE 

IV. EXPEND] I i RES DUBING THE YKAK. 

I for tho company's own losses and polioj claims, 

and additions I 

Paid on aoooonl ol kred or 

pnrchashed 542,411 

1 96,057 BJ 

id to policyholders *l." 

Commissions to agenta 28 92 

Salaries and traveling expenses of managers of agen- 

and general, special or local agents loi,4(;!i <»l 

^fedioal examiners' fees 11, 187 09 

Salaries and other compensation of officers and em- 
ployes 48,418 

Total pay account, 184,008 02 

Paid for dividends to stockholders, $16,< I 

Paid for taxes and revenue stamps, 76,289 10 

Total miscellaneous expenditures, 

Total cash expenditures ">88 85 

Notes and other premium obligations used in purchase 

of surrendered policies. $94,951 10 

Used in payment of dividends to policyholders, 187,362 4." 

Voided by lapse of policies, 321,161 

Total premium loan disbursements, 603,480 14 

Total expenditures 



V. PREMIUM NOTE ACCOUNT. 

Premium notes and other premium obligations at be- 

gining of the year, $3,285,767 22 

Received during the year, 1,125,093 00 

Total, $4,410,82 

Deduction diiring the year, as follows : Notes and 
other premium obligations used as above 
stated, $603,480 14 

Redeemed by maker in cash 47.710 33 

Total 651,190 4 7 

Balance note assets at end of the year $3,759,668 75 

VI. EXHIBIT OF POLICIES. 
ies in fore* at the commencement of the <■■ 

Nar. Amount. 

Whole life policies 18,268 $47,834,882 00 

►wment policies 6,086 Ll,073,784 00 

Joint-liv.s and survivorship* 1 - ; ' 1; ' 2,038,921 00 

Sh-.rt term and irregular policies 493 1,020,260 0<) 



COMPANIES OF THE STATE OP CONNECTICUT. 19 

New policies issued during the year : 

Whole life policies, 2,667 ^">, 7(»o, 7:!. r >,oo 

Endowment policies, 669 851,020 00 

Joint-lives and survivorships, 428 385,885 00 

Short term and irregular policies, 271 510,000 00 

Old policies revived during the year: 

Whole life policies, 616 L,966,680 00 

Endowment policies, 180 526,200 00 

Joint-lives and survivorships. 108 102,100 00 

Short term and irregular policies. 20 50,000 00 

Total number and amount, 31,726 $72,153,467 00 

Deduct policies decreased and ceased to be in force, 4,364 10,088,260 00 

Total policies in force at the end of the year, 27,362 $62,065,207 00 

Policses in force at the end of the year, including additions, classified : 

Number. Amount. 

Whole life policies. 18,850 $48,293,772 00 

Endowment policies, 5,962 10,529,459 00 

Joint-lives and survivorships, 2.004 2,098.816 00 

Short term and irregular policies, 546 1,143,160 00 

Total policies in force at the end of the year, 27,362 $62,065,207 00 

Number and amount of policies which have ceased to be in orce during the year: 

Number. Amount 

Terminated by death, 266 $722,885 00 

By surrender 1,158 2,889,480 00 

By lapse, 2.105 4,879,335 00 

Not taken, 835 1,596,560 00 

Totals. 4,364 $10,088,260 00 

VII. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount. 

Policies in force in Connecticut, 2,853 5,556,036 00 

Issued during the year, 393 594,090 00 

Premiums collected during the year, 281,141 68 

Death losses during the year, 46,860 00 

Matured endowments paid, none. 



20 LIFE INSl RANC1 



CONNEGTH IT GENERAL LIFE INSURANCE COMPANY. 

Sabtfobd, Conns. 

Commenced Business October. 1865. 

Edward W. Pabsohs, President Tb »majb W. Ri try. 

I. CAPITAL. 

Capital actually paid up in cash 

II. ASSETS. 

Real estate owned, after deducting all Hens and encumbrances : 

Property in Leavenworth. Kansas I 00 

" Chicago. Ill 6,485 04 

'« Washington, D. C i: 

- " _ - 71 

Loans secured by deeds of trust or mortgages upon real estate.... 41 c . 

91 cks a?id Bonds owned by tin Company. 

Tar Value. Market Value. 

U. S. and State Stocks: — 

l". S. registered $80,000 00 - 

Connecticut State 30,000 00 30,000 00 

Municipal Bonds : — 

Cook County > 00 

Chicago City. 

Toledo •• 10,000 00 

Hartford," 10,000 00 10,000 00 

Quincy. »' 11,000 00 9,850 00 

Raelbojjd BoKne : — 

Cin. ft Ind., 11. 11 10,500 00 9,450 00 

Mich. Southern R. 11... 5,500 00 5,225 
N. Y.. X. EL ft Hartford K. 11.. stock 12,500 00 16,625 00 

I Leather Bank, X. Y.. 3,300 00 4,950 00 

Merchants Exchange " " 2,000 00 2,000 00 

Fourth National " ■« 00 5,000 00 

Continental •■ - iKl 



Par Value. 


Market Value. 


$6,500 00 


$8,970 00 


5,200 00 


6,708 00 


7,000 00 


10,990 00 


5,500 00 


8,690 00 


1,400 00 


1,932 00 


900 00 


1,125 00 


$217,100 00 $245,873 00 $245,873 00 



COMPANIES OF THE STATE OF CONNECTICUT. 21 



American National Bank, Hartford, 

Charter Oak " " 

Phoenix 

Hartford 

First National " 

JEtna, " " 



Loans on Collateral. 
Par Value. Market Value. Aint. Loaned. 

Hartford Carpet Co.,. 1,900 00 4,275 00^ $3 00 00 

Greenwood Co., 3,300 00 3,300 00) 

Orient Fire Ins. Co., 800 00 896 00) 

Peoria City, 1,000 00 1,000 00) 

Travelers Ins. Co., 1,000 00 1,560 00) 

National Fire Ins. Co 5,500 00 6,820 ooi" 

N. Y., N. H. & Hart, R'. R.. 2,000 00 2,660 00 1,200 00 

N. Y., N. H. & Hart. R. R.. 6,000 00 7,980 Oo) 

First Nat. B'k. Portland, Ct 2,000 00 2,4o0 00 - 10,515 95 

Travelers Ins. Co., 500 00 780 00 ) 

Orient Fire Ins. Co., 1,400 00 1.568 00") 

U. S. Express Co 7,500 00 4,125 00 I 

-Etna Fire Ins. Co.. 900 00 1,746 00 j 6 '° 00 

H. Prov. &FishkillR. R.... 1,000 00 970 OOj 

Orient Fire Ins. Co., 800 00 896 00 650 00 

Excelsior Power Co 700 00 700 00 345 45 

Weed Sewing Machine Co.,. 2,500 00 2,800 00 2,000 00 

Rock Island R. R. Co., 1,700 00 1,751 00) 

U. S. bond, 100 00 110 00)^ 

Pratt, Whitney Manuf'g Co. 5,100 00 5,100 00 3,500 00 

Medlicott Manuf'g Co 5,000 00 5,000 00 3,750 00 

Travelers Ins. Co., 1,000 00 1,560 00 1,000 00 

Washburne Steel Co., 7.000 00 4,200 00\ 3 500 00 

Conn. Fire Ins. Co., 2,500 00 2,750 00) 

City Fire Ins. Co.. 500 00 300 00 



1,400 00 
6,000 00 



1,800 00 



Total, $61,700 00 $64,947 00 $45,461 40 $45,461 40 

Premium notes and loans, on policies now in force. 145,848 96 

Cash in office of Company, $3,549 8l 

Cash deposited in Bank 63,209 37 

Cash in hands of agents, 5,343 08 



Total amount of cash items 72,101 79 

Interest accrued on cash loans and on bonds owned. 16,952 50 

Bills receivable. 5,651 06 

Net outstanding and deferred premiums on policies in force,.. 32,519 50 



Total assets $1,157,962 50 



LIFB INSURANCE 

II. LIABILITIE8 
Death losses and matm mentsin , 

adjastmeni or adjusted and not due $21,750 00 

id other policy oleic '5,000 00 



■\ policy claims &•!>'•.:: 

Present value of all outstanding policies and ad- 
ditions thereto in force December 31, 1874, com- 
puted by the Connecticut Insurance Department. 
according to the Actuaries or Combined Experi- 
ence Table of Mortality, with 4 per cent interest, $881,257 
Deduct re-insurance, 



Net re-insurance reserve B76,S 

Liabilities as to policyholders, 903,002 00 

Surplus as regards policyholders, 25 J . 

Total Liabilities, 



III. INCOME DURING THE YEA-R. 

Total cash premium income, $237,272,66 

Interest upon cash loans, $33,412 

Interest upon bonds owned and dividends on stocks,... IG.4'21 4."> 

Interest upon premium notes or loans, 8.020 38 

Interest upon other debts due the Company, 1,893 01 

Kent received for use of Company's property, or un- 
der sub-lease, 428 72 



Total interest, dividend, and rent income, G0,17.". 76 

Received from other companies on account of reinsured risks 5,000 00 



Total cash income 8302. 

Total note income, 31,461 (13 



Total cash income, $333,910 0: 



IV. EXrEXDITURES DUBING THE YEAR 

Paid for the Company's own losses and policy claims 

and additions thereto $64,724 B2 

Paid on account of policies lapsed, surrendered or pur- 
chased 28, [.TJ 63 

Paid dividends to policyholders 8,525 13 

Total cash paid to policyholders, $101,682 58 

Commissions to agents 7 77 

Salaries end traveling expenses of managers of agencies 

and general, special or local agi I ts 12,280 80 

.1 examiners' fees 1 952 <;:> 

Salaries and other compensation of officers and em- 
ployee H.879 16 

To! i v account 50,4$ 



COMPANIES OK THE STATE OF CONNECTICUT. 23 

Dividends to stockholders, $20,000 00 

Premiums to other companies for policies re-insured. . 1,892 58 

Taxes and revenue stamps, 5,5 17 93 

Rents, 2.875 00 

Printing, stationer}' and miscellaneous expenses, 21,034 68 

Total miscellaneous expenditures. 51,350 14 

Total cash expenditures, $203,513 10 

Notes and other premium obligati ms used in payment 

of losses and claims, $11,280 99 

Used in purchase of surrendered policies, 5,808 78 

Used in payment of dividends to policyholders, 12,805 88 

Void by lapse of policies 5,663 09 

Total premium loan disbursements 35,565 34 

Total expenditures, - $239,078 44 



V. PREMIUM NOTE ACCOUNT. 
Premium notes and other premium obligations at be- 

gining of the year, $149,952 67 

Received during the year, 31,461 63 

Total, $181,414 30 

Deduction during the year, as follows : Notes and other premium 

obligations used as above stated, 35,505 34 

Balance note assets at end of the year, $145,848 96 



VI. EXHIBIT OF POLICIES. 
Policies in force at the commencement of the year : 

Number. Amount. 

Whole life policies, 2,578 $5,619,491 00 

Endowment policies, 645 888,011 00 

Joint-lives and survivorships, 43 85.234 00 

Short term and irregular policies 149 584,800 00 



New policies issued during the year: 

Number. Amount. 

Whole life policies, 765 $1,726,807 00 

Endowment policies, 46 00,982 00 

Short term and irregular policies 3 16.000 00 



Old policies revived during the year : 

Number. Amount. 

Whole life policies 13 820,260 00 

Endowment policies, 4 5,096 00 

Joint-lives and survivorships, 1 2,000 00 



v jM Ui-K INSURANCE 

Old policies inereoted in amount: 

Whole life policial (2,100 00 

Endowment policies. i;;o 00 

Total comber and amount , l.i' 17 $9,011,211 00 

lKln<t policies il. -el-. ;ts. \ and «.'• ased to be in force, 893 2,126,659 00 

Total policies in force at the end of the year, 8,364 $6,884,55! 

Policies in force at the end of the year, including additic - d: 

Number. Amount 

Whole life policies 2,697 $5,822,942 00 

Endowment policies 627 823,376 <•<> 

■Joint lives and survivorships 38 71,234 00 

Short term and irregular policies, 38 167,000 00 

Total policies in force at the end of the year, 3,400 52 00 

Number and amount of policies which have ceased to be in force during the year: 

Number. Amount. 

Terminated by death, 28 $57,733 00 

By expiry, 9 31,000 00 

By surrender, 83 202,647 00 

By lapse, 569 1,39 7, GOO 00 

By change and old policies decreased, 46 72,179 00 

Not taken, 158 365,500 00 

Totals, 893 $2,126,659 00 

YII. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount. 

Policies in force in Connecticut, 4;)4 $695,782 

1 during the year, 31 63,066 00 

Premiums collected during the year, 25,996 00 

Death losses during the year, 7,000 00 

Matured endowments paid 1.000 00 



COMPANIES OF THE STATIC OF CONNECTICUT. 25 



CONNECTICUT MUTUAL LIFE INSURANCE COMPANY. 

Hartford, Conn. 

Commenced Business 1846. 

James Goodwin. President. Jacob L. Greene, Secretary. 



I. ASSETS. 

Ileal estate owned, after deducting all liens and encumbrances : 

Company's building, Hartford, $1,082,733 69 

Property in St. Louis, Mo., 314,163 93 

" " Kansas City, Mo., 12,576 71 

' ; ." Cincinnati, Ohio ; 5,000 00 

' ; " Chicago, 111. , 4,209 00 

$1,418,083 33 
Encumbrance, ann. ground rent of $900 equival. to 15,000 00 

$1,403,083 33 

Loans secured by deeds of trust or mortgages upon real estate,... 24,579,080 58 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. and State Stocks : — 

U. S. G's, $1,100,000 00 $1,299,375 00 

U. S. G's, currency, 500,000 00 587,500 00 

Connecticut State 600,000 00 630,000 00 

Tennessee State, 20,000 00 14,300 00 

Municipal Bonds : — 

City, of Toledo, Ohio, 20,000 00 19,000 00 

" Terre Haute, Indiana,.... 29,000 00 25,085 00 

" Fort Wayne, " .... 100,000 00 75.000 00 

" Jackson, Mich 110,000 00 99,000 00 

" Evansville, Indiana, 50,000 00 42.500 00 

" Evansville, Ind., water,. 300,000 00 255,000 00 

" Louisville, Ky., 300,000 00 275,000 00 

' Quincy. 111., 266,000 00 201,100 00 

" Milwaukee. Wis., 650,000 00 625,000 00 

" Kansas City, Mo., ,... 150,000 00 135,000 00 

Railroad Bonds : — 

Hartford & New Haven, 21 , 000 00 2 7, 930 00 

Connecticut River 5,000 00 6,500 00 

4 



26 



LIFE INSURANCE 



Par \ 
i : — 

t. Jljink, Hartford. $1,000 00 

First " " " 18, 00 

City, •■ " "' 10,0( 

aJtna, " " " 2,500 00 

Phcenix, " " " 1,60 

State. " " " 1,000 00 

Fourth, . " " N. Y.. 20,000 00 
Mis< i. i.i.am ors : — 

C inn. Trust ft S. D. Co., " 30,0oo 00 



Market Value 

$1,888 <'i» 

17. '.'10 00 

10,700 00 

8,200 00 

2,400 00 

1,260 00 

20,000 00 

30,900 00 



Total $4,300,0 ■■■ $4,405,013 00 4,406,013 00 



Loans on Collateral. 



Par Value. 

Morton prop. Hart., Ct.. $10,000 00 

U. S. 6's, 1881, 2,000 00 

" 5-20*8, 2,000 00 

Quiucy City 8,000 00 

Ithaca & Athens R. ft.,... 5,1)00 00 

United States 5-20's, 500 00 

First Nat, Bk., Hartford,. 2, GOO 00 

" " " 20,000 00 

Lake S. & M. South. R.R 7,500 00 

u " " scrip, 3.100 00 

H. &New Haven, R .11,... 4,800 00 

First Nat. Bk'. Hartford,. 10,000 00 

iEtnaFire Insurance Co., 10,000 00 

" " " 4,000 00 

Fourth Nat. Bk'. N. Y.,.. 1,000 00 

National Trust Co.. " .... 500 00 

Chicago & N. Weat'n. R.R 2,000 00 

Pennsylvania Cen. E. R. 2,150 00 

Michigan, " " 1,300 00 

First Nat. Bk., Hartford.. 1,000 00 

Meriden town bond 1 ,000 00 

Chicago & Alton R. R.,... 1,600 00 

Nat. Exchange Bk., Hart. 6,450 00 

Conn, T. & S. Dep. Co.,.. 10,000 00 
City of Mobile, Ala. 8 per 

cent gold bonds 100,000 00 

Moblie. &N. W. R.R., B 

peT cent gold bond, 50,000 00 

i rille R. R. bond,.... 14,0 

V S. 6's, L881 

2.' 

I ianal Btook 

Little Miami R. II.. 2,600 00 

Mo -I.ooo 00 

Ki nsaa Paoifto R B 3,000 00 



Market Value. 

$20,000 00) 
2,322 (>•» ■ 
2,322 00 * 
8,000 00^1 

5.000 00 I 
580 00 | 

3,536 00 j 
27.2(H) 00 
5,800 00) 
2,400 00" 
5,904 00-* 
13,000 00 
1 7 t H !() 00 
G,800 00 
1,100 OOf) 

500 00 
1,J(H» (,o 
1,600 00 } 

1.001 00 
1,360 1)0 
1,000 00 
1,600 OoJ 
7.710 00 

10,300 00 

100,000 00) 



00 
14,000 00 

2.000 00 
5,500 00 
2,000 00 
4,000 00 

3.01)0 00 



Amt. Loaned. 
$10,000 00 

12,000 00 

20,000 00 
10,000 00 

10,000 00 

10,000 00 

4.000 00 

00 



5,300 00 
6,500 00 



100,0! 

12.000 00 

9,8 

8,000 00 
2,600 00 



COMPANIES OF THE STATE OF CONNECTICUT. 



27 



Pat Value. Market Value. 

U. S. 6's, 1881, $1,000 00 $1,167 00) 

Mercantile Nat, Bank,.... 2,000 00 2,800 00 f 

Evansville & 111. R. R.,.. 1,000 00 900 00-* 

Third N. Bk., Cincinnati, 5,000 00 8,750 00 {_ 

First " '• 5.000 00 7,500 00 > 

Conn. River R. R., 1,400 00 1,750 00) 

H. &NewHav. R. R...... 4,000 00 5,440 00> 

" .... 1,400 00 1,904 00 

Mer'tile N. B'k. Toledo O. 25,000 00 27,500 00 

Mort. b'd. prop. Chic. 111. 1,000 00 2,500 00 

" Louisv'l " 5,000 00 10,000 00 

Hartford National Bank,.. 400 00 020 00) 

Mort, b. Le Grand Martin 1,200 00 2,^00 00 " 

; '' Dan'l. F. Cadmus 1,000 00 2,000 00-* 

Home N. Bk., Meriden,... 2,100 00 2,310 00"| 

Oneida " Utica, N.Y. 3,300 00 3,630 00 

Meriden " 2,000 00 2,200 00 

N. Bk'. of the State of N.Y 1,000 00 1,120 00 

" of Commerce, " 1,000 00 1,160 00 

Fourth Nat. Bank, " 500 00 500 00 V 

Shoe & Leather Bank, " 600 00 900 00 

First Nat, Bk., Utica, " 2,640 00 2,904 00 

N. Bk., of Kinderhook. " 500 00 550 00 

Yale N. Bk., N. Hav. Ct., 1,500 00 1,650 00 J 



Amount Loaned 

4,000 00 

10,000 00 

4,700 00 

1,500 00 

20,000 00 

1.000 00 

3,000 00 

2,500 00 



12,280 50 



Total 



$367,940 00 $420,800 €0 $282,383 78 



Premium notes and loans, on policies now in force,. 

Cash in office of Company, 

Cash deposited in Banks and trust companies, 

Cash in hands of agents, 



$6,888 38 

1,207,044 07 

71,757 05 



Total amount of cash items, 

Interest accrued on cash loans and on bonds owned.$l, 004,838 41 

Interest accrued on premium loans and notes, 251,642 78 

Rents accrued, 6,370 83 



Total accrued interest and rents 

Net outstanding and deferred premiums on policies in force, . 



$282,383 78 

7,189.793 86 



1,285.689 50 



1,262,852 02 
35.199 92 



Total admitted assets, $40,443,695 99 



II. LIABILITIES. 

Death losses and matured endowments in process of 

adjustment or adjusted and not due, $502,149 00 

Death losses and other policy claims resisted, 190,968 00 

Total policy claims, $693,117 00 

Present value of all outstanding policies and additions thereto 
in force December 31, 1874, computed in the Connecticut 



28 LIFE INSURE 

Tn-:. ding to the Actuaries or ( 

bined Experience Table of Mortality, with 4 per cent. inf. r44,23J 00 

Unpaid dividends of surplus, or other description - I 

due policyholders 09 .-,] 

bilities as bo policyholders $36,524 164 5 l 

Surplus as regards policyholders, 3,919,631 I s 

Total Liabilities >|,,. j ;;:.i; ; ,- «,., 



III. INCOME DURING THE YBAB. 

Received for premiums on new policies, $788,976 L0 

Received for renewal premiums, 6,640, 103 97 

Received for all other premiums 6,811 20 

Total cash premium income, 91,27 

Interest upon cash loans, $1,730,333 38 

Interest upon bonds owned and dividends on stocks, 299,681 7:) 

Interest upon premium notes or loans, 466,924 89 

Rent received for use of Company's property, or un- 
der sub-lease, 34,904 88 

Total interest, dividend, and rent income, 2,531,844 88 

Cash income from other sources, viz.: Miscellaneous 5,013 95 

Total cash income $9,972,750 10 

Notes or other obligations taken for new premiums. 76,263 00 

Total income $10,049,013 10 



IV. EXPENDITURES DURING THE YEAR. 

Paid for the Company's own losses and policy claims 

and additions thereto $2,540,439 03 

Paid on account of policies lapsed, surrendered or 

purchased 512,501 62 

Paid dividends to policyholders, 2,534,558 92 

Total cash paid to policyholders, $5,687,500 17 

Commissions to agents, $615,100 04 

Medical examiners' fees, 20,925 50 

Salaries and other compensation of officers and em- 
ployes 68,( B8 39 

Total pay account, 704,114 I .'J 

Taxes and revenue stamps, $239,353 5 I 

Paid on any account not itemized above, viz: Print- 
ing, advertising, postage, exchange, supplies, 
stationery, and incidental 105,930 29 

Total miscellaneous expenditures 

Total cash expenditures >8 13 



COMPANIES OF THE STATE OF CONNECTICUT. 29 

"" • 

Notes and other premium obligations used in payment 

of losses and claims, $59,764 08 

Used in purchase of surrendered policies 146,391 03 

Used in payment of dividends to polic\ T holders, 503, 313 91 

Voided by lapse of policies, 131,180 00 

Total pi-emium loan disbursements, 840.019 02 

Total expenditures, 87,477,547 45 



V. PREMIUM NOTE ACCOUNT. 

Premium notes and other premium obligations at 

beginning of the year, $7, 959, Gil G2 

Keceived during the year, 76.263 00 

Total, $8,035,874 G2 

Deductions during the year, as follows : Notes and 

other premium obligations used as above stated, $840,649 02 
Redeemed by maker in cash, 5,431 74 

Total, 846,080 76 

Balance note assets at end of the year, $7,189,793 86 



VI. EXHIBIT OF POLICIES. 

Policies in force at the commencement of the year: 

Number. Amount. 

Whole life policies, 53,800 $158,460,848 00 

Endowment policies, 8.664 20,927,826 00 

Joint-lives and survivorships, 1,079 2,403,556 00 

Short term and irregular policies, 7 10,500 00 



New policies issued during the year : 

"Whole life policies, 5,230 15,780,596 00 

Endowment policies, 842 1,479,579 CO 

Joint-lives and survivorships, 22 6, 649 00 



Old policies revived during the year : 

Whole life policies, 569 2,041,500 00 

Endowment policies, 210 623,800 00 

Joint-lives and survivorships, 12 33,200 00 

Total number and amount, 70,435 $201,768,054 00 

Deduct policies decreased and ceased to be in force, .. 5,119 16,401,421 00 

Total policies in force at the end of the year... 65,316 $185,366,633 00 



LIFE INSURANCE 
Pc 

Nn: Am 

lelife polieiea " -•; <><> 

Endowment policies B,769 20,604,094 00 

•Joint lives and survivorships. i . L\ ; - 

Total policies iti force at the end of the year,... 65,316 

.v < and amount of policies tohieh ha ' ring the pear : 

Number. ant. 

Terminated l»y death 792 

By expiry 7 00 00 

By surrender 1,944 

By lapse 1,810 

By change and old policies decreased, 

Not taken, r,>;r, 1,758,000 00 

Totals 5,119 $16,401,421 00 

VII. BUSINESS IN CONNECTICUT IN 1874, 

Number. Amount. 

Policies in force in Connecticut, 2,970 $8,910,01 

Issued during the year 120 

Premiums collected during the year, 227, I 

Death losses during the year, 



COMPANIES OF THK STATE OF CONNECTICUT. 8i 

CONTINENTAL LIFE INSURANCE COMPANY. 

Hartford, Conn. 

Commenced Business July, 1801. 

James S. Parsons, President. Fiobt. E. Beecker, Secretary. 



I. CAPITAL. 

Capital actually paid up in cash. $800 000 00 

II. ASSETS. 
Loans secured by deeds of trust or mortgages upon real estate $656,369 00 

1 Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. Stocks :— 

U. S. 5-20's, reg. 1805, $100,000 00 $117,380 00 

U. S. 5 per cent, 115,000 00 131,000 00 

Municipal Bonds : — 

Hartford City, 11,500 00 11.270 00 

Middletown Water, 7,100 00 7,030 00 

Macoupin County, 10,000 00 0,000 00 

Leavenworth " 10,000 00 7,800 00 

Indianapolis City, 10,000 00 9,000 00 

Quincy Oity, 10,000 Of) 8,500 00 

Jefferson Co., 10,000 00 8,500 00 

Terre Haute City, 10,000 00 9,000 00 

Fort Wayne City, 10,000 00 8,000 00 

Railroad Bonds : — 

Ind. & Cin. R. E., 10,000 00 8.725 00 

Mid'town Unionville & Water Gap, 11,000 00 11,200 00 

N. Y. N. H. & Hartford, 3,800 00 5,211 00 

Bank Stocks : — 

Farmers & Mechanic, Nat. Bank,.. 10,500 00 53,805 00 

Charter Oak, '• 10,000 00 13,200 00 

American, <; 20,000 00 28,000 00 

Hartford, " 10,000 00 10,000 00 

Phoenix, " 12,800 00 20,180 00 

New Britian, " 5,000 00 G.500 00 

Exchange, " 10,000 00 12,500 00 

First, " 0,100 00 8,960 00 

iEtna, " 9,100 00 12,120 00 

Miscellaneous : — 

Connecticut Trust Co., 7,500 00 7.050 00 

Total, $463,300 00 $527,980 00 $527,930 00 



INSURANCE 

r./l. 
Market Value: Ami. Loaned. 

Williniantic Lines Co $10,000 00 | 

.. I . I • K) 00 1,60 

i\. " •• 5,000 00 '.'.Odd 00 2,750 00 

Steam Boiler A Cna. Co 3.500 00 6,800 00 3,050 00 

o., . 3,900 00 1,68 I 00") 

Phoenix Nat, Bk. X. V 2,500 00 2,750 00 I 

Nat. Bk. of Commerce N.Y. 1,000 00 1,100 00 j" 

4th National Bank, " 500 00 550 00 J 

400 00 760 00 400 00 

Adams Nickel Plating Co.,. 3,000 00 3,600 00 1,500 00 

Third Nat. Bk. Kansas 10,000 00 10,000 00 5,000 00 

2 "s 500 00 5 00 224 17 

Mort. coup. 10 per cent, 2,ooo oo 2,000 00 1.500 

Adams Nickel Plating Co.,.. 7,000 00 8.400 00 2,500 00 
Assignment of Mort. note,. 4,666 00 4,666 00 3,500 00 
End. policy 1 2387, assign- 
ed to Co 1,83166 1,83166 500 00 

Weed* Machine Co., 3,125 00 3,500 00) .-, 000 00 

n Mannfg. Co., 5,000 00 4,500 OOJ 



Total, $66,922 , 022 66 $38,624 17 5,624 17 

Premium notes and loans on policies now in force 1,189.904 97 

Real estate owned after deducting all liens Ac, (in Chicago) 16,661 90 

in office of Company 

Cash deposited in banks and trust companies. 318,7 

Interest accrued on cash loans and on bonds owned,... $31, 70 
Interest accrued on premium loans and notes, 43,345 51 



Total accrued interest, 75,045 79 

Net outstanding and deferred premiums on policies in force, 271,942 68 

Furniture, safes, and fixtures belonging to the Co. at cost, $4. 106 95 



Total admitted Assets, $3,103,658 00 



III. LIABILITIES. 

Claims for death losses and matured endowments, in process of 

adjustment, or adjusted and not due $45,283 32 

:i value of all outstanding policies and addi- 
tions thereto in force December 31st, 1874, compu- 
ted by the Connecticut Insurance Department, 
according to the Actuaries or Combined Experi- 
ence Table of Mortality, with 4 per cent interest... $2, 855, 570 00 

Deduct net value of risks re-insured in other sol- 
vent companies 1,696 00 



Net re-insurance $2,850,874 no 



Liabilities as to policyholders $2,896,107 32 

Surplus as regards policyholders, >50 68 

Total liabilities $8,103, 



COMPANIES OF THE STATE OF CONNECTICUT. 33 

IV. INCOME DURING THE YEAR. 

Cash received for prem. on new policies and renewal,. $550, 599 33 
Received for all other premiums, .571 75 

Total cash premium income, $551,171 08 

For interest upon cash loans, \ a^ qqo -. - 

For interest upon bds. owned and dividends on st'ks 5 i 

Interest upon premium notes or loans. 57,958 39 

Discount on claims paid in advance, 1,039 94 

Total interest and dividend income, 139,000 48 

Amt. taken on account of new prem. and of renewal premiums,.... 270,395 71 

Total income $907,173 27 



V. EXPENDITURES DURING THE YEAR. 

Cash paid for company's own death losses and policy- 
claims and additions thereto $154,104 04 

Cash paid during the year for the company's own ma- 
tured endowments and additions thereto, 5,800 00 

Paid on account of policies lapsed, surrendered or 

purchased, 44,148 71 

Cash paid for dividends to policyholders, 1 07, 9G L 35 

Total cash paid to policyholders $3120,74 10 

Dividends to stockholders, 24.000 00 

Premiums to other companies for policies re-insured,. $2,604 14 
Commissions* to agents on first and renewal premiums, 55,408 40 
Salaries and traveling expenses of managers of agen- 
cies and general, special or local agents, 33,860 10 

Medical examiners' fees, 3,524 50 

Salaries and other compensations of officers and em- 
ployes, 24,505 74 

Total pay account, 119,902 88 

Paid for taxes, revenue stamps, &c, $18,424 51 

Paid for rents. 1,800 00 

Total incidental expense account, 20,224 51 

Cash paid for Furniture, Safes and Fixtures for home 

or agency offices, $8,773 07 

Paid on accounts not itemized above, viz. : Ad- 
vertising 1,535.30 : Exchange 100.08: Station- 
ery and Printing 5,530.80 : Legal Expenses 1,- 
618: Charges 4.882.08: 10,589 84 

Total. 25,303 51 

Total cash expenditures $501,505 00 

Notes and other premium obligations used in payment 

of losses and claims, $11,714 92 

Used in purchase of surrendered policies, 59.935 41 

5 



;.i 



. INSUKANCK 



Used in payment of dividends to policyholders $14,309 6] 

Voided bj 159,576 7:» 



Total premium n< Lture 



Total expenditures >7l7.im :;; 

VI. PREMIUM NOTE ACCOUNT. 

Premium n other premium obligations at 

of the year $1,161,8-17 5 I 

Received during the year 27G..'i < .».*> 71 



Total 1,437,743 25 

Deduction during the year as follows : Notes and 

other premium obligations used as above stated, $245, 536 7.'i 

Redeemed by maker in cash. -?..');)1 55 



Total, 






Balance note assets at end of the year, 

VII. EXHIBIT OF POLICIES. 
Policies in force at the commencement of the year : 

Number. Amount. 

Whole lifo policies, 7,252 f I <;«> 



Endowment policies 

Short term and irregular policies, 



226 



4,354,024 <)<) 



New policies issued during the year: 

Whole life policies, 1,10!) 

Endowment policies, 170 

Short term and irregular policies, 15 

Old poll- A during tltc year : 

Whole life policies, 

Endowment policies. 



-. . 
l-:. 830 00 
t4.< I 



234,177 mi 



Total number and amount 13,607 $22,178,32< 

Deduct policies decreased and ceased to be in force, 2.7>7 



Total policies in force at the end of the year 10,820 $16,332,158 no 

Deduct policies re-insured, 116,0< 



Net number and amount in force at end of year,... 10,82 



ber and amou >> l ofpolici* « wA ich I ' to be in force during the yt ar: 

Number. Amount 

Terminated by death, loo siot.07:. 00 

iry :» 27,5i 

By surrender, 368 570,897 <><> 

by lapse 1,903 3,721,200 00 

By change and old polici< i, 583,< 

tken l"l 771UM 00 



Totals 2,787 |5,846, 



COMPANIES OF THE STATE OF CONNECTICUT. 60 

VIII. BUSINESS IN CONNECTICUT IN 1874. 

Policies in force in Connecticut, 2.010 $2,886,600 00 

Issued during the year - ,994 00 

Premiums collected during the year — 178,01.") 82 

Death losses during the year, 28, 705 00 



HARTFORD ACCIDENT INSURANCE COMPANY. 

Hartford, Conn. 

Commenced Business July, 1874, 

Hit hard D. Hubbard, President. Geo. B. Lester. Secretary. 



I. CAPITAL. 

Capital actually paid up in cash, $200,000 00 

II. ASSETS. 
Loans secured by deeds of trust or mortgages upon real estate,... $00,000 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
TJ. S. and State Stocks : — 

N. Y., City, 7 percent, $50,000 00 $53,500 00 

Connecticut 6's, coupon, 5, GOO 00 5,930 00 

Connecticut G's, registered, 4,000 00 4,240 00 

U. S 6's, of 1881, coupon, 2,000 00 2,440 00 



Total, $01,000 00 $60,116 00 $60,116 00 

Cash in office of Company, 1,388 30 

Cash deposited in banks and trust companies,...., 25,475 38 

Interest accrued on cash loans and on bonds owned by 

the Company, $3,227 22 

Interest accrued on daily balance in bank, 196,66 



Total accrued interest and rents, 3,423 88 

Furniture, safes, and fixtures belonging to Co., at cost,. .$1,520 40 

Cash in hands of officers due the company, 3,000 00 



Toial Assets, $195,403 56 



36 LIFJfi LN8URANI 

III. LIABILITIES. 

Claims foi death losses, and matured endowments, in process of 

adjust i in 'lit. or adjusted and no! due, $75 00 

1 \i\ value of all ontstandii in force on the 31st 

of 1)'' sember, I v 7 !. compute d according to tb^ Company's own 

tallies. 5 per cenl Lnterosl 6,25S 09 

Duo on account of - ilaries, rents, and office expem 00 

Other liabilities of the company. viz : Printing, (estimated) 51 

Total liabilities, except on policy account, 1,000 00 

Present liabilities as to policyholders, $7,8 

IV. INCOME. 

Cash received for premiums on new policies during the year end- 
ing December 31st, 1874, without deductions for commissions, 

or other expense, •"? 1 I . ■">'■ '< '> ~>4 

Cash received for interest upon bonds and dividends on stocks.... 421 98 

Cash income from other sources, viz : (calls on capital), $200,000 00 

Total income, $15,018 52 

V. EXPENDITURES. 

Cash actually paid during the year for the Company's own death 

losses and additions thereto, $114 29 

Commissions to agents on first premiums $3,035 53 

Salaries and traveling expenses of Managers of Agencies, 

and General, Special or Local Agents, 4,514 42 

Salaries and other compensation of Officers and Em- 
ployees, except Agents and Medical Examiners. 4,773 65 

Total Pay Account, 12,323 60 

Cash paid for taxes, $1,662 65 

Cash paid for rents TOO 00 

Total Incidental Expense Account, 2,429 31 

Cash paid for furniture, safe and fixtures for home or 

agency offices, $1,520 40 

Cash paid for printing, &0., 1.0,508 7 1 

Total, $12,029 \\ 

Total Expenditures, $26,89l 



COMPANIES OF THE STATE OF CONNECTICUT. 



'61 



HARTFORD LIFE &_ ANNUITY INSURANCE COMPANY. 

Hartford, Conn. 
Commenced Business 18GG. 



Wareham Griswold, President. 



Stephen Ball, Secretary. 



Capital actually paid up in cash, 



CAPITAL. 



$300,000 00 



II. ASSETS. 
Keal estate owned, after deducting all liens and encumbrances : 

Property in Cumberland Co. 111., 205 acres, 

Loans secured by deeds of trust or mortgages upon real estate,... 

Stocks and bonds owned by the Company. 



Par Value. 
|3,500 00 



U. S. Stocks : — 

U. S. 5-20's, 

Municipal Bonds : — 

Jefferson County, Ills., 16,000 00 

Bank Stocks : — 

First National Bank Hartford, Conn., 10,000 00 

Home, " " West Meriden, Ct 1,700 00 



Market Value 
$4,265 62 

16,000 00 

13,800 00 
2,125 00 



Total, $3J,200 00 $36,190 62 



Loans on Collaterals. 
Par value. Market Value. 



First Nat. Bk'. Hartford,.. 
Travelers Ins. Co, " 
St. Louis & So. East. K. K. 
First mort. land W. Hart. , . 
Nat. Fire Ins. Co., Hart.,.. 
Nat. Screw Co., Hartford., 
First mort. land W. Hart. , 
First Nat. Bank of " 
Trust de'd I'd Dixon Co. 111. 

" " Shelby, " 
" Stark, " 

11 ' ; Lee. 



$5,000 00 
7,100 00 

10,000 00 
4,500 00 
1,800 00 
4,200 00 
3,000 00 
5,000 00 
1,500 00^ 
1,000 00 



$6,900 00 

12,41)6 00 
5,000 00) 
4,500 00) 
2,232 00 
7,140 00) 
3,000 00) 
6.900 00 



Ara't. Loaned. 
$5,000 00 
10,441 38 

9,000 00 

1,531 72 

8,925 00 

5,000 00 



2,000 00 
5,500 00 



} 10.000 00 10,000 00 

I 



$3,081 68 
640,613 84 






36,190 62 



Total, $50,600 00 $58,168 00 $49,898 10 49,898 10 



LIFK IN: ! KANCK 

- on policies no* in force i 00 00 

Cash in <>;. I mpany 

i ad trust comp aies 

I in hands of agents 

I amounl of cash items 

(ash Loans and on bonds owned 22,4 

due from non-resident sto sKholders, :;7:i 50 

itstanding deferred premiums on policies in force 28,921 80 

Total admitted assets. gg 15 

Items not 
at market value of furniture, safes and fixtures 11,572 4:; 

III. LIABILITIES. 

Claims for death losses and matured endowments, in process of 

adjustment, or adjusted and not due *1"<.4(»2 00 

Present value of all outstanding policies and addi- 
tions thereto, in force December SI, 1874, compu- 
ted by tko Connecticut Insurance Department ac- 
cording to the Actuaries or Combined Experience 
Table of Mortality, with 4 per cent interest $551,815 00 

Deduct net value of risks re-insured in other solvent 

companies, 2,835 < H > 

Net re-insurance reserve, ." 4 s . < 1 SO 00 

Unpaid dividends of surplus, or other description of profits due 

policyholders 905 

Other liabilities of the Company, viz : He-insurance premiums 

unpaid, - 05 

Liabilities as to policyholders $566,026 08 

Surplus as regards policyholders 282,863 12 

Total Liabilities $848,389 Lfi 

IV. INCOME DURING THE YEAR. 

Cash received for premiums on new policies $5,682 57 

Gash received for renewal premiums 131,77 

Total cash premium income $137,458 75 

Interest upon cash loans, bonds and other debts 49.4:'.! 99 

ived from other companies on account of re-insured risks,... 2,000 00 

Total income (all cash,) ... | L88,890 71 

V. EXPENDITURES DURING THE YEAR. 
Paid for the company's own losses and policy claims, 

and additions thereto $15,582 16 

Paid on account of polioit a lapsed, surrendered or 

purchased 13,481 

Paid for dividends to policyholders, 5,692 B8 

■! cash paid to policyholders $34,711 03 



COMPANIES OF THE STATE OF CONNECTICUT. 

Commissions to agents $10,968 99 

Salaries and traveling expenses of managers of agen- 
cies, and general, special or local agents. 7,848 11 

Medical examiners 1 fees, 437 00 

Salaries and other compensation of officers and 

employes. 8,375 28 

Total pay account, $27,020 38 

Premiums to other companies for policies re-insured... .84,075 70 

Taxes and revenue stamps, 1,008 72 

Rents 2,280 10 

Miscellaneous expenses, 4,883 02 

Total miscellaneous expenditures, 13,807 00 

Total expenditures, (all cash,) $76,148 01 



VI. EXHIBIT OF POLICIES. 

Policies in force at the commencement of the year : 

Number. Amount. 

Whole life policies, 1 

Endowment policies I 

Joint-lives and survivorships, \ 3,003 

Short term and irregular policies, J 

New policies issued during the year : 

Number. 

Whole life policies >. 

Endowment policies, 298 

Short terrn and irregular policies, ) 

Old policies revived during the year : 
Whole life policies, 1 



Old policies increased in amount: 
Short term and irregular policies, 



Additions by dividends uring the yea\ 

Whole life policies, 

Endowment policies. 



H, 502, 000 


00 


193,554 00 


10,000 00 


052.500 


00 


mount. 




$319,560 


00 


23,241 


00 


5,000 


00 


2.000 


00 


420,750 


00 


025 


00 


505 


00 



Total number and amount, 3,302 $6,441,944 00 

Deduct policies decreased and ceased to be in force, 070 2,002,078 00 



Total policies in force at the end of the year, 2,023 4,430,800 00 

Policies in force at the end of the year, including additions, classified: 

Number. Amount. 

Whole life policies, 1 $3,250,700 00 

Endowment policies, . ^% 104,350 00 

Joint-lives and survivorships. ( i 10,000 00 

Short term and irregular policies, J J ? 008, 750 00 

Total policies in force at the end of the year 2,623 $4,439,86 



40 LIFE [NSUHANCE 

If umber and amount of . Wi haet oeasedtobt infora during the year. 

Number. Amount. 

Terminated by death 11 £2.1. 07-1 oo 

By expiry 85 164,000 00 

By Burrender 277 :;:. no 

By lapse L'7s 633,700 00 

By change and old p liciet lecreaaed 569 00 

28 

Totals, 679 

VII. BUSINESS IN CONNECTICUT IN 1-71. 

Number. Amount. 

Policies in force in Connecticut, 361 $592,600 00 

d daring the year 34 48,199 00 

P einiama collected during the year 20,107 4»; 

Death losses during the year, 1,000 00 



PHCENTX MUTUAL LIFE INSURANCE COMPANY. 

Hartford, Conn. 

Commenced Business 18/51. 



Edson Fessenden, Presidt nt. 



James F. Burns, Secretary. 



I. CAPITAL. 
Capital actually paid up in cash $16,000 00 

II. ASSETS. 
Loans seemed by deeds of trnst or mortgages upon real (.•state....- 1 1 98 

cks and Bondi owned by the Company. 

Par Value. Market Value. 
I'. S. and State Stocks : — 

V. S. bonds $246,000 60 $290,075 00 

Tern te bonds 26,000 00 15,340 00 

R \i;.!;oai> B< NDS : — 

Ad 'lo., Quinoy Pacific & 

Mo., R. B • 50,000 00 00 

Indiana Central R. B 8,000 00 8.000 00 

Southern Minn. R. R 35,000 00 24.500 oo 



COMPANIES OF THE STATE OF CONNECTICUT. 



41 



Par Value. Market Value. 

Bank Stocks : — 

Farmers & Mec-h. Nat. Bk\ Hart $7,000 00 $9,030 00 

Charter Oak, " " 20,000 00 20,000 00 

First, " '• 20,000 00 28,000 00 

.Etna, " " 3,500 00 4,375 00 

Mercantile, " " 10,000 00 12,500 00 

American. " " 20,000 00 28,000 00 

Phoenix, " " 20,000 00 31,200 00 

First Nat. Bank, Massilon. Ohio,... 10,000 00 13,500 00 

Toledo, " Toledo, " 25,000 00 33,750 00 

Miscellaneous : — 

U. S. Trust Co. Hartford, 5,000 00 5,200 00 

City Gas Light Company Hartford, G.G25 00 10.8G5 00 

Total, $511,125 00 $590,335 00 

Loans on Collateral. 



500.335 00 



Par 

Value. 

Quincy Pacific & Mo. Pi. E. $50,000 00 

Willimantic Linen Co., 17,200 00 

Chicago National Bank. 10,200 00 

Bankers ch'k, 1 p. c. prem. 20,000 00 

Endorsed demand notes,... 17.700 00 



Market 
Value. 

^42,500 00 

30,560 00 

13,770 00 

20,000 00 

17,700 00 



Total, $115,100 00 $133,530 00 

Premium notes and loans, on policies now in force. 

Cash in office of Company and in banks, 

Interest accrued on cash loans and on bonds owned, 

Outstanding and deferred premiums on policies in force, 



Amount 
Loaned. 

^35,000 00 

22.200 00 
8,500 00 

14.201 13 
17,700 00 

97,691 13 



97,691 13 

5,639,330 00 

404.749 94 

178,077 82 

515,480 60 



Total admitted Assets, $10,011,876 47 

Items not admitted as available Assets 
Present market value of furniture, safes and fixtures.. $9,737 37 
Other items, viz : Stockholders notes, 84,000 00 



Total unadmitted Items* $93,737 37 



,111. LIABILITIES. 
Claims for death losses and matured endowments, in 

process of adjustment, or adjusted and not due.... $167,333 00 
Claims for death losses and policy claims resisted.... 61,000 00 



Total policy claims, 

Present value of all outstanding policies and addi- 
tions thereto in force December 31, 1874, computed 
by the Connecticut Insurance Department, accor- 
ding to the Actuaries or Combined Experience 

6 



$228,333 00 



2 LIFE [NSUKANCK 

Table of Mortality, with 4 per cent, interest * ( J.4 ! - 

• value of risks n -insured in other sol- 
vent | ,.;; 00 

.uniiice <j. : 

Liabilities as to policyholders • $9,672,010 00 

Surplus as regards policyholders ,866 17 

Total Liabilities. $10,011,870 4 7 



IV. INCOME DURING THE YEA!;. 

Cash received for premiums on new policies. " ! 73 

Cash received for renewal premiums. 2,150,921 00 

Total cash premium income, [$2,372, 7 1'> 7;'. 

Interest upon cash loans and bonds owned $405,798 00 

Interest upon premium notes or loans, 245,299 24 

Total interest and dividend income, 65i,( 

Total cash income , $3,023,872 '.'7 

Notes or other obligations taken for new premiums,... $51, 727 00 

Notes or other obligations taken for renewal premir.: 5 00 

Total note income 352,4 - i 

Total income, $3,876,354 97 

V. EXPfiNDITUKES DUBING THE YEAR. 

Paid for the Company's own losses and policy claims, 

and additions thereto $82 

Paid on account of policies lapsed, surrendered or 

purchased 14,530 17 

Paid for dividends to policyholders, 602,239 38 

Total cash paid to policyholders $1,436,901 4 { 

Commissions to agents $217,327 20 

Salaries and traveling - >s of manager* of agen- 

ipecial or local agents, 6r»,G09 60 

Medical examiners' fees 19,764 84 

Salaries and other compensation of officers and em- 
ployes, 37,850 01 

.1 pay account 34!>,">.".l ('•'> 

Dividends to stockholders $960 00 

Premiums to other companies for policies re-insured.... 74 2 7 7 

Taxes and tapq 58,986 57 

Furniture, safes and fixtures for home or agency 

offices 40 00 . 

Sundry 82,953 49 

Total miscellaneous expenditures 143,682 53 

nditures $1,921,131 






COMPANIES OF THE STATE OF CONNECTICUT. 

Notes and other premium obligations used in pay- 
ment of losses and claims, $52,680 60 

Used in purchase of surrendered policies, 17,456 35 

Used in payment of dividends to policyholders void- 
ed by lapse of policies, 327,731 05 



Total premium loan disbursements, 397,868 00 



Total expenditures, $2,319,003 92 

VI. PREMIUM NOTE ACCOUNT. 

Premium notes and other premium obligations at be- 
ginning of the year, $3,681,716 00 

Received during the year, 352.482 00 



Total, $4,037,198 00 

Deduction during the year, as follows : Notes and other premium 

obligations used as above stated, 397,868 00 



Balance note assets at end of the year, $3,639,330 00 



VII. EXHIBIT OF POLICIES. 

Policies in force at the commencement of the year : 

Number. Amount. 

Whole life policies, 26,130 $61,860,780 00 

Endowment policies 9,140 13,866,581 00 

Joint-lives and survivorships, 4 4,000 00 



New policies issued during the ytar : 

Whole life policies, 4,500 8,259,605 00 

Endowment policies, 1,717 1,870,892 00 



Old policies revived during the year : 

Whole life policies, 117 302,984 00 

Endowment policies, 137 271,000 00 

Old policies increased in amount : 

Whole life policies, 18,518 00 

Endowment policies, 1,100 00 

Additions by dividends during the year : 

Whole life policies, 14,812 00 

Endowment policies, 6,364 00 



Total number and amount, 41,745 $86,476,636 00 

Deduct policies decreased and ceased to be in force, -8,327 17,265,531 00 



Total policies in force at the end of the year, 33,418 $69,211,105 00« 



43 LIFE INSURANCE 

Polieiei in ford at t7u gear, including additions, classified: 

Number. Amount. 

Whole life policies 24,820 $56',811,187 00 

Endowment polities 8,694 12,8 

Joint-lives and survivorships 4 4,()0n 00 

Total policies in forco at the end of the year, 88, 1 1 8 $69,211,105 00 

If umber and amount of policies which hav< cedst d to fa in force during tht year 

Number. Amount. 

Terminated by death, 850 >68 00 

By surrender, 112 270,941 00 

By lapse, 4,412 9,860,156 00 

By change and old policies decreased, 1.308 8,277,450 00 

Not taken, 2,145 8,458,026 00 

Totals, 8,327 $17,265,531 00 



VIII. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount. 

Policies in force in Connecticut, 3,513 $5,590,686 00 

Issued during the year, 5G7 834,704 00 

Premiums collected during the year, 18G, .'!."' 2 00 

Death losses during the year, 37,0G2 00 



TRAVELERS INSURANCE COMPANY. 

Hartfokd, Conn. 

Commenced Business July, 1866. 

James G. Batterson., President Rodney Dennis, Secretary* 



LIFE DEPARTMENT. 

I. ASSETS. 
Ileal estate owned, after deducting all liens and encumbrances : 

Property in Hartford, $67,000 00 

La Crosse, Wis 9,212 34 

Syracuse, N. Y., 2,048 90 

$78,861 U 

Loans secured by deeds of trust or mortgages upon real estate,... 1,460 177 50 



COMPANIES OF THE STATE OP CONNECTICUT. 45 

Stocks and Bonds owned by the Company. 

Par Value, Market Value 

Municipal, Bonds : — 

Indianapolis City, $10,000 00 $9,400 00 

Railroad Bonds. — 

Lake Shore & Michigan Southern,.... 1,000 00 950 00 

Chicago, Eock Island & Pacific, 10,000 00 10,700 00 

Milwaukee & St. Paul, 10,000 00 0,000 00 

Keokuk & Des Moines, 8,000 00 3,200 00 

New York, Providence & Boston,... . 10,000 00 9,500 00 

New York, New Haven & Hartford, . 10,000 00 13,800 00 

Morris & Essex, 10,000 00 9,800 00 

Bank Stocks : — 

Farmers & Mechanics Nat. Bk. Hart. 5,000 00 6, GOO 00 

American, " " 10,250 00 14,350 00 

Phcenix, " " 12.000 00 19,320 00 

Mercantile, " " 10,000 00 12,600 00 

Hartford, " " 12,200 00 19,032 00 

Thames National Bank, Norwich,.... 20,000 00 25,200 00 

Merchants Exchange Nat. Bk. N. Y. 8,000 00 8,240 00 

Metropolitan, " " 10,000 00 13,500 00 

American Exchange, " '• 10,000 00 11,200 00 

Nat. Bk. of the Commonwealth, Bost. 10,000 00 12,000 00 

Miscellaneous : — 

Railway Passenger Assurance Co.,... 95,600 00 95,600 00 

Conn. Trust & S Deposit Co., Hart., 20,000 00 20,000 00 






Total $292,050 00 $324,592 00 $324,592 00 

Cash in office of Company, $60 49 

Cash deposited in banks and trust companies, 71,505 07 



Total amount of cash items, 71,565 oG 

Interest accrued on cash loans and on bonds owned, 50,467 89 

Net outstanding and deferred premiums on policies in force, 117,213 83 



Total admitted Assets, $2,103,178 02 



II. LIABILITIES. 

Claims for death losses and matured endowments, in 

process of adjustment, or adjusted and not due, $44,187 00 

Claims for death losses and other policy claims resisted. 18,425 00 



Total policy claims, $62,612 00 

Present value of all outstanding policies and addi- 
tions thereto in force December 31st, 1874, com- 
puted by the Connecticut Insurance Department, 
according to the Actuaries or Combined Experi- 
ence Table of Mortality, with 4 per cent interest... $1,921, 497 00 

Deduct net value of risks re-insured in other sol- 
vent companies, 15,507 00 



Net re-insu.ance reserve, $1,905,990 00 



46 LIFE INSURANCE 

Other liabilities of the Company, viz : Indemnity reserve on life 
contracts, 812,000 00 

Liabilities as to policyholders | 

Burp] . tlioyholdera 122 1 

Total liabilities, §2,103,17 

III. INCOME DURING THE 7EA.B. 

Cash received for premiums on new policies, $109,500 61 

received for renewal premiums. 403,853 21 

Received for sale of annuties, 3,784 26 

Received for all other premiums, 12,:i7»'> 06 

Cash premiums from other companies, 486 GO 

Total cash premium income, $531,000 80 

For interest upon cash loans, $106,920 10 

For interest upon bonds owned and dividends on st'ks, 20,281 ">0 
Rent received for use of Company's property or under 

sub-lease, 933 00 

Discount on claims paid in advance, - GO 

Total interest, dividends and rent income, §>134,G03 32 

Received from other companies on account of re-insur- 
ed risks, SI. 422 22 

Cash income from other sources, viz ; Premiums en 

gold, $3,239 20; Miscellaneous, §1,317 44, 4.55G G4 

Miscellaneous cash income, 5,978 80 

Total income (all cash) $071,582 98 

IV. EXPENDITURES DURING THE YEAR. 

Cash paid for company's own death losses and policy 

claims and additions thereto, $122,677 00 

Injury, ■ 2,175 70 

Paid to other companies for losses or claims on their 

policies re-insured by this Company, f>.000 00 

I'aid to annuitants, 400 00 

Paid on account of policies lapsed, surrendered or 

purchased. 25,223 17 

Total cash paid to policyholders $155,476 17 

Paid for commissions to agents, i 10 

Paid for salaries and traveling expenses of managers 

of agencies, and general, special or local agents, 14,415 17 

Paid for medical examinere 9,947 7fi 

Paid for salaries and other compensation of offici 

and employes 13,766 86 

rant 90,751 88 

Paid for premiums to other companies for policies 

re-insured $7,056 79 

Paid for taxes and revenue stamps 5,256 11 



COMPANIES OF THE STATE OF CONNECTICUT. 47 

Advertising $11,126.15 ; exchange and stamps, $2,- 

053.94; express, $90.51 ; books and stationery, s.!.- 
139.54; general expenses. $5,195.88; profit 
and loss. $16,863.83, |39,469 85 

Total miscellaneous expenditures, $5 1,782 75 

Total expenditures (all cash) 8298,010 80 

V. EXHIBIT OF POLICIES 

Policies in force at the commencement of the year : 

Number. Amount. 

Whole life policies, 7,002 $13,506,866 00 

Endowment policies, 1,812 2,642.827 00 

Joint-lives and survivorships, 7 15,500 00 

Short term and irregular policies, 135 384,850 00 

New policies issued during the year : 

Whole life policies. 2,203 4,422,104 00 

Endowment policies, 45G 568,659 00 

Short term and irregular policies, 19 41.000 00 

Old policies revived during the year : 

Whole life policies, 23 45,500 00 

Endowment policies, G 9.000 00 

Total number and amount, 11,723 $21,636,306 00 

Deduct policies decreased and ceased to be in force, 1,887 3,664,243 00 

Total policies in force at the end of the year, 9,836 $17,972,063 00 



Policies in force at the end of the year, including additions, classified. 

Number. Amount. 

Whole life policies, 7,827 $15,014,405 00 

Endowment policies, " 1,913 2.701,308 00 

Joint-lives and survivorships, 7 15,500 00 

Short term and irregular policies, 89 240,850 00 

Total policies in force at the end of the year, 9,836 $17,972,063 00 



Number and amount of policies which have ceased to be in force during the year: 

Number. Amount. 

Terminated by death 76 $124,034 00 

By expiry, 36 101,000 00 

By surrender, 31 82,079 00 

By lapse, 1,058 2,008,800 00 

By change and old policies decreased, 271 621,330 00 

Not taken, 415 727,000 00 

Totals, 1,887 $3,664,243 00 



48 LIFE [NSURANOE 

\ !. I (IN DON* 1' IN 1874. 

i tii-iu 4 7:> 

Issued dun: 131 

Premiums collected daring the year 

Dentil Losses daring the year 



! 

- 59 1"> 



ACCIDENT DEPAKT.TIEM. 



I. CAPITAL. 



itaJ actually paid ap In cash 

II. ASSETS. 
Loans secured by deeds of trust or mortgages upon real estate,... $187,004 00 



Stocks and Bond* 



owned by the 
Par Value. 



V. S. and State Stocks : — 

U. S. 6*8, L881 |3,< 

I . B. 5-20's 304,1 

Connecticut. 45,1 

Tennessee 32,0 

Virginia. 26,100 00 

Wast Virginia, certificates 13,1 

i-Ai. Bonds : — 

Elizabeth City 10.000 00 

Chicago Water Loan 20,000 00 

Hait.koad Bonds: — 

Mich. Southern A Korth'n Indiana. 10,1 

Indianapolis A- Cincinnati 13.000 00 

Chicago A North Western 10,1 

Hartford Providence & Fishkill.... 10.1 

\ «r Jersey Central 3.000 00 

Lake Shore A Mich. Southern 14,000 no 

N. Y.. New Haven A Hartford 20,000 00 

New Jersey Central 1<>.. 

N. Y.. Central A Hudson River,.. 10,000 00 

Del. Laekawana A Western 10,000 00 

Bank Stocks — 

rs A Mechanic Nat. Bank.... 25,000 00 

American. " .... 11,400 00 

.... 20,0 

Phoenix. " .... 18,000 00 

Mercantile, " .... 10, 

1 1. ui ford. •• .... 13,1 

" N. B. 

Fourth, •' N. Y. 15,1 

\ «ao. '• N. Y. 10.:. 



nig. 
Market Value. 

45,900 oo 
19,530 00 
13,240 00 
1,81 

10 00 

10,000 00 

io.»;. 

10,300 00 
9,800 oo 
3,000 00 

11.200 00 
>0 00 

10,71 

10,0 

10.900 •'«) 

33,(" 
l :>.:<• 

21,40 

180 00 
12,© 
20,4 

14.7 

Hi.. ",00 00 



COMPANIES OP THE STATE OF CONNECTICUT. 49 

Par Value. Market Value. 

Miscellaneous : — 

Railway Pass. Assurance Co., $60,400 00 $60,400 00 

Hartford Trust Company, 12,500 00 13.625 00 



Total, $763,500 00 $829,411 00 $820,411 00 

Cash in office of Company 515 25 

Cash deposited in Banks and trust companies, 41,384 03 

Interest accrued on cash loans and bonds owned by the company, 5,462 52 






Total Assets, $1,004,376 80 



III. LIABILITIES. 

Claims for death losses, and matured endowments in process of 

adjustment, or adjusted and not due, $56,700 00 

Claims for death losses and other policy claims resisted, 30,000 00 

Present value of all outstanding policies in force on the 31st day 
of December, 1874, computed according to the company's own 
table, with 4 per cent interest, ' 172,839 77 

Due on account of salaries, rents, and office expenses, 5,000 00 

Present liabilities as to policyholders, $264,539 77 



IV. INCOME DURING THE YEAK. 

Cash received for premiums on new policies, $635,510 95 

For interest upon cash loans, $10,199 22 

For interest upon bonds owned and dividends on st'ks, 55,998 30 
Discount on claims paid in advance, 104 73 

Total interest, dividends and rent income, 66,302 25 

Cash income from other sources, viz ; Premium on gold $2,887 88 ; 

Interest from banks &c, $10,168 85, 13,056 73 

Total income, $714,869 93 



V. EXPENDITURES DURING THE YEAR. 

Paid for Company's own death losses $90,500 00 

Losses by injury, 99,607 63 



Total cash paid to policy holders, $190,107 63 

Paid for dividends to stockholders, 60,000 00 

Commissions to agents $184,510 28 

Salaries and traveling expenses of managers of agen- 
cies, and general, special or local agents, 48,373 99 

Salaries and other compensation of officers and em- 
ployes, 21,396 72 



Total pay account, 254,280 99 

Taxes and revenue stamps &c, $6,464 46 

Rents, 16,672 33 



Total incidental expense account, 23,136 79 

7 



50 LIFE INSURANCE 

T * .- i i v l for furniture, safes, and fixtures for borne or agency offices,. 

Paid on account not itemized above, viz ; AdyertUiu 83; 

excl. >7; books and stations 

$6,179 68; expense and loss expenses, express 

tal 32,226 47 

Total Expenditures $610,317 68 

VI. EXHIBIT OF POLICIES. 

•tie* in fora at tlu commencement of the ye* 

Number. Amount. 

Whole life policies, 50,078 $122,715,499 00 

Less, 17,973 *19,674,249 00 

8,105 103,041,250 00 



New Policies issued during the year: 

Whole life policies, : 33,355 106,395,950 00 

Total number and amount. 65, 137,200 00 

Deduct policies decreased and ceased to be in force 35,136 1 13,1 13,000 00 

Total policies in force at the end of the year, 30,324 $96,294 200 00 

Number and amount of Policies which have ceased to be in force during the year . 

Number. Amount. 

Terminated by death 52 $111,500 00 

By expiry, 35,084 113.031,500 00 

Totals, 35,136 $113,143,000 00 



VII. BUSINESS IN CONNECTICUT IN 1874. 

Policies in force in Connecticut, 1,114 $3,692,750 00 

Issued during the year 1,031 3,593,500 00 

Premiums collected during the year, 20,449 50 

Total, 2 8,000 00 

Indemnity, 38 2,801 93 

Losses paid 40 10,801 39 

* Policies and Insurance canceled to correct errors arising from imperfect cancellations. 






COMPANIES OF THE STATE OF CONNECTICUT. 51 



RAILWAY PASSENGERS ASSURANCE COMPANY. 

Haeteoed, Conn. 
Commenced Business, February, 1866. 

James G. Batteeson, President. Chaeles E. Willaed, Secretary. 



I. CAPITAL. 
Capital actually paid up in cash, $300,000 00 

II. ASSETS. 
Loans secured by deeds of trust or mortgages upon real estate,... $65,500 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. and State Stocks: — 

U. S. reg. 6's, 1881, $50,000 00 $59,250 00 

U. S. 5-20's. 1865, 3,000 00 3,555 00 

U. S. 5-20's, 1867, 11,500 00 14,030 00 

Connecticut registered, 50. 000 00 53, 500 00 

Connecticut 6 per c, coupon, 2,500 00 2,575 00 

Municipal : — 

Hartford City, coupon, 11,000 00 10,890 00 

City of Springfield, 111., 10 per c, 5,000 00 5,000 00 

Chicago Water" Loan, 10,000 00 10,000 00 

Raileoad Bonds: — 

Southern Minnesota, 10,000 00 6,500 00 

North Missouri, 10,000 00 8,700 00 

Milwaukee & St. Paul, 10,000 00 9,000 00 

Lake Shore, 1,000 00 1,000 00 

Dubuque & Sioux City, 10,000 00 10,100 00 

Raileoad Stocks: — 

Lake Shore & Michigan Southern, 42,000 00 33,600 00 

N. Y. Central & H. River, 10,000 00 10,162 50 

Panama, 10,000 00 11,500 00 

N. Y., New Haven & Hartford,... . 15,000 00 19,500 00 ' 

Chicago, Rock I. & Pacific, 10,000 00 10,200 00 



LIFE INSCR.\ 

Par Value. Market Value 

- : — 

America] 

Nat. Shoe and I " ... • ■ •• <><> 

8,000 00 
10,000 00 I0,0( 

City National, Hartford 20,000 00 21,600 00 

Mis< - : — 

trbrd Trasl 11,30 12,430 00 

Connecticut Trust Company, 15,000 ]-.<■ 



Total, $351,900 00 - 



Loans on Collateral. 

Par Value. Market Value. Amount Loaned. 

Railway Pass. As. Co $130,100 00 $130,100 00 $1,170 90 *1,170 90 

Cash in office of Company 1,51 

Cash deposited iu Banks and Trust Companies, 29,716 10 

Interest accrued on cash loans and on bonds 

Gash in hands of agents due the Company 8,0< N 



Total assets $474,351 09 



III. LIABILITIES. 

Claims for death losses and matured endowments, in 

process of adjustment, or adjusted and not due,.... 89.000 00 

Claims for death losses and other policy claims resisted 14,50 I 

Total policy claims 

Present value of all outstanding policies in force on the 31st day 

of December. 1874 15,000 00 

Due on account of salaries, rents, and office expenses $250 00 

Amount of any other liability, viz: Printing, 

Expressage, $7.~> 00: total, 525 00 

Total Liabilities $39,025 00 



IV. INCOME DURING THE YEAR. 

Cash received for premiums on new policies, $104,318 43 

Interest upon cash loans. $2,91 S 

Interest upon bonds, and dividends on stocks 24,957 !'7 

Total interest, dividend and rent income 27,890 47 

Miscellaneous cash income, 1.172 70 

Total cash income $133,381 60 



V. EXPENDITURES DUKING THE YEAH. 

Paid for Company's own death losses and additions thereto $27,520 43 

Paid for dividends to stockholders 30,000 00 

- i advanced for non-teridente' ta.\. for which the Company ha* ■ legal Hea on the stock. 



COMPANIES OF THE STATE OF CONNECTICUT. 53 

Commissions to agents, $31,266 07 

Localagents, 8,143 47 

Medical examiners' fees, 2,793 58 

Salaries and other compensation of officers and em- 
ployes, 12,871 42 

Total pay account, 55,071 54 

Taxes and revenue stamps, $6,376 95 

Rents, 750 00 

Total miscellaneous expenditures, 7,126 95 

Paid on accounts not itemized above, viz : Ecpiipment, $208 46 ; 
returned premiums, .$25 45 ; freight and express, $1,302 89 ; 
advertising, $4,355 30 ; exchange and postage, $1,886 90 ; 
blanks, books and stationery, $1,341 59 ; tickets, $493 00 ; of- 
fice and agency expenses, $780 28; total, 10,393 87 



Total cash expenditures, $130,115 79 

VI. EXHIBIT OF POLICIES. 

New policies issued, estimated, 225,553 $676,659,000 00 

No. and amount in force Dec. 31, 1874, estimated, 1,704 5,112,000 00 

VII. RE-INSURANCE RESERVE. 
Net present value or re-insurance reserve Dec. 31, 1874, estimated $15'000 00 



( ( >-OPERATEVE SOCIETIES. 



CONNECTICUT MUTUAL BENEFIT COMPANY. 



Ni;\v Haven. 



Assets Jan. 1st. 1874 $7,435 43 

Received in 1874, 

From assessments, 2,091 47 

Annual Dues, 

Total, 810,135 10 

EXPENDED IN 1874. 

Paid losses, $3,267 10 

Paid Commissions, 4(i() l."> 

Paid expenses of assessments 186 

Paid salaries and clerks, 602 62 $4,516 76 

Balance 18 34 

ASSETS. 

Cash on hand, 817 34 

Bills receivable 2,836 00 

Fixtures. 4 9 08 

Dae from agents, 2,855 '.'7 

Total, ,618 34 

LIABILITIES. 

Due to agents and others, $2, 1 51 26 

W. I'. Burke 51 00 

E. E. Cabot 83 00 

John W. Perrine, 27 00 

II. B. liabin 9 00 

amenta in advance, 07 00 $2,! 

Assets over liabilities, J.JO 08 



CO-OPERATIVE SOCIETIES. 

NUMBER OF CERTIFICATES IN FORCE DECEMBER 31st. 187+ 

Division 1, 30 

« 2 26 

3, 02 

A 27 

" B 57 

C 74 

Total, 276 

This Company takes no neio business. 



...) 



MUTUAL BENEFIT LIFE COMPANY, 



Haetfokd, Conn. 



Assets December 31st, 1873, exclusive of Capital stock, $6,060 47 

Received fiom certificates, 1,360 00 

Received from assessments, 13,345 22 

Received from annual dues, 1,912 00 

Total, $22,677 69 

Capital stock not called in, $89,000 00 

EXPENDED IN 1874. 

Paid losses, $11,161 90 

Paid commissions, 872 05 

Paid postage, 640 21 

Paid rent. 600 00 

Paid salaries, . . 2, 554 45 

Paid printing and advertising, 491 06 

Paid Stationery, 97 o4 

Paid sundry expenses, 546 15 

Total $16,962 86 

ASSETS. 

Cash, $673 90 

Due from agents, 5,221 85 

Bills receivable, 479 64 

Office furniture, 175 00 

Total, $6,550 39 



56 OPERATIVE B0CIK1 [ES 

LIABILITIES, JANUARY Let, L87& 

Due officers and agents 

red from death lose L,288 30 

unents advance 

Total 

As ete oyer liabilities, 4.7. 

HUMBEB OF CERTIFICATES IN FORCE DECEMBER 31st. 1874 

Division, 1, 338 

3G2 

4, 246 

6 52 

A G13 

C 289 

» Police, 171 

Total, 2,071 






LIFE INSURANCE COMPANIES 
OF OTHER STATES. 



ABSTRACTS COMPILED FROM THEIR ANNUAL STATE- 
MENTS, SHOWING THEIR CONDITION ON THE 
31st DAY OF DECEMBER, 1874. 



AMERICAN POPULAR LIFE INSURANCE COMPANY. 

New York City. 

Commenced, Business 186(J. 

T. S. Lambert, President. James Cruikskank, Secretary. 

Attorney in Connecticut. E. B. G-oodsell, Bridgeport. 



I. CAPITAL. . 

Capital actually paid up in cash $284,500 00 

II. ASSETS. 
Loans secured by deeds of trust or mortgages upon real estate.... $65,550 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. and State Stocks : — 

U. S $121,000 00 $142,4-02 50 

New York, -.. 45,000 00 48,037 50 

Municipal Bonds : — 

Salem, Washington County, 5,000 00 5,337 50 

Bank Stocks : — 

American Exchange Bk. N.Y. City. 5.0(H) 00 5,750 00 

Ninth National, *' 7,500 00 7,500 00 

Miscellaneous : — 

National Trust Co., •' 10.000 00 10,000 00 

Total, $193,500 00 $219,027 50 219.027 50 

Loans on Collateral. 

Par Value. Market Value. Aint. Loaued. 
Moit. on prop Stacy ville. 

Mitchell county, Iowa 

also mort. on property, 

Hudson, Wis $900 00 $900 00 $713 03 

U. S. Publishing Co 32.000 00 32,000 00 25,800 00 

Total $32,900 00 $32,900 00 $20,513 03 $26,513 03 



60 LIFE INS 

Premium notes and loans, $112 8G1 17 



Cash dej in Hanks and ti 



loans and on bonds owned $0,69 J 81 

Intere I on premium loans and notes 8,105 li 








! accrued I nta i; 

Present value of leases owned by the Company 

• 'ling and turns on policies in force 141 | 

Total admitted 

m* not (/■■' 

- d in commuting commissions $31,43 

•y supplies, printed matter and stationery on hand 5 

qI maketvalus of furniture, safes and fixtui 3, 14,02147 

Total unadmitted Items 



III. LIABILITI1 

:.d matured endowments in process of 

adjustment or adjusted and not due 

Death losses and other policy claims resisted. 

Total policy claims. "; 

Present value of all outstanding policies and addi- 
tions thereto in force December 31st, 1874, compu- 
ted by" the Connecticut Insurance Department, 
according to the Actuaries or Combined Experi- 
ence Table of Mortality, with 4 per cent interest... $52 

Deduct net value of risks re-insured in other sol- 
vent con. 1.240 00 

re-insurance reserve. $52 

Liabilities as 1 

, irds policyholders 164,7 

Total Liabilities and Surplus $702,07 

IV. INCOME DURING THE YE 

Total cash premium income. $1 

Received for interest upon cash loans, bonds owned 
and dividends on - ks, ] remium notes or loans. 

and upon other debts due the Company $27, I" - 

ived f or use of Company's property, or un- 
der sub-lease 3 797 65 

Total . dividend, and rent income 31,28 

Tot J cash inc ime $163,494 33 



COMPANIES OF OTHER STATES. 61 

Notes or other obligations taken for new premiums, ...$20,093 18 
Notes or other obligations taken forrenewal premiums. 34,826 55 

Total note income $54,919 73 

Total income, $218,4] 1 06 

V. EXPENDITURES DURING- THE YEAR. 

Paid for the Company's own losses and policy claims 

and additions thereto $25,400 00 

Paid on account of policies lapsed, surrendered or 

purchased 2,7-17 04 

Total cash paid to policyholders, $28,216 0-1 

Commissions to agents $11,157 10 

Salaries and traveling expenses of managers of agencies, 

and general, special or local agents, 9,080 70 

Medical examiners' fees, 1,038 40 

Salaries and other compensation of officers and em- 
ployes, 12,170 T>7 

Total pay account, 33, 464 02 

Premiums to other companies for policies re-insured. . $2,380 7G 

Dividends to stockholders; 14,266 00 

Taxes and revenue stamps, 438 78 

Rents, 0,250 00 

Commuting commissions 17.430 77 

Furniture, safes and fixtures for home or agency offices, 1,784 00 
Paid on any account not itemized above, viz: Adver- 
tising. $6,532 71 : postage, $560 45 ; other ex- 
penditures, $10,215 41 17,308 57 

Total miscellaneous expenditures, 50.850 87 

Total cash expenditures, $121,540 83 

Notes and other premium obligations used in payment 

of losses and claims $478 02 

Voided by lapse of policies 18,751 30 

Total premium loan disbursements 10,230 22 

Total expenditures, $140,771 05 

VI. PREMIUM NOTE ACCOUNT. 
Premium notes and other premium obligations at 

beginning of the year, $88, 003 73 

Eeceived during the year, 54.919 73 

Total |143,G13 40 

Deductions during the year, as follows : Notes and 

other pi-emium obligations used as above stated, $10,230 22 
Eedeemed by maker in cash 12.022 07 

Total, 31.252 20 

Balance note assets at end of the year. $112,361 17 



82 LIFE INSURANCE 

VII. EXHIBIT OF POLICIES. 

res at the commencement of the v 

Rusher. Amount. 

Whole life policies 2,41 - 374 00 

Endowment policies 22 

Joint-lives and survivorships 1 78 00 

Short term and irregular policies 4L'7 1,64 

policies issued during the pear: 

Whole life polioiefl 67 12:1.. 

Endowment policies. S 6,000 00 

Short term and irregular policies •_'.<>;, 4. r,u0 00 

Old policies revived during the year: 
"Whole life policies 4 12.000 00 

Total number and amount. 8,1 

Deduct policies decreased and ceased to be in force 4o9 1.18."). 248 00 

Total policies in force at the end of the year 3,164 - - i 899 00 



Polities info* >f the year, including additions, classified: 

Number. Amount 

Whole life policies 2.212 - .10 00 

Endowment policies 22 L99 00 

Joint lives and survivorships 1 78 00 

Short term and irregular policies 919 3,396,512 00 

Total policies iu force at the end of the year, 3.154 $8,262,899 00 



Xumber and amount of policies ichich have ceased to be in force during the year : 

Number. Amount. 

Terminated by death 12 4 G9 00 

qriry 217 545,300 00 

By Mirrender 7 4,87 

By change and old policies decreased 43 112.4G7 00 

N • taken 160 497.638 00 

Totals 4;;:* *i.:- 



VIII. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount- 
Policies in force in Connecticut 75 $1~ 

Issued during the year S 21,287 

Premiums collected during the year, 5,613 21 

No lot 



COMPANIES OF OTHEK STATES. 63 



BERKSHIRE LIFE INSURANCE COMPANY. 

PlTTSFlBliD, Mass. 

Commenced Business May, 18.") 1. 

Thomas F. Plukkett, President. James W. Hull. Secretary. 

Attorney in Connecticut, Jas. F. Pearl, Fair Havex. 



I. CAPITAL. 

Capital actually paid up in cash $25 600 00 

II. ASSETS. 

Real estate owned, after deducting all liens and encumbrances. 

Company's home office, $1S0.000 00 

Loans s-e^vod by deeds of trust or mortgages upon real estate,.... 1,580,014 59 

Stock* and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. Stocks: — 

U. S $285,000 00 $331,200 00 

Municipal Bonds : — 

City of Concord, 15,000 00 15,000 00 

North Adams Water scrip. 43,000 00 43,000 no 

Town of Cheshire loan, 14,000 00 14,000 00 

" Hinsdale, ' ; 3,000 00 3.000 00 

" Pittsfield, " 25,000 00 25,000 00 

Berkshire County, '• 80,000 00 80,000 00 

Bank Stocks : — 

Agricultural National Bank. 30.000 00 f>0,000 00 

Pittsfield. " 45,800 00 61.830 00 

Adams. " 25,000 00 31.250 00 



Total $565,800 00 $664,280 00 $664,280 00 

Loans on Collateral. 

Par Value. Market Value. Am t. Loaned. 

Agricultural Nat. Bank $5,800 00 $11,600 00 $6,000 00 

Central Pacific R. R., 1,000 00 050 00 200 00 

Stockbridge & Pittsfi'd R.R. 1.500 00 1,200 00 1,000 00 
Adams Nat. Bank, Mass.,... 15,000 00 18,750 00") 
Fourth, " N. Y.,... 7,000 00 7,000 00 j 

American Express 3.500 00 2.240 00 * -+- 000 °0 

Pittsfield Nat, Bank. Mass., 1.000 00 1.350 00 



6 I INSl KANCE 

i 
Par Value. Markei 

ilrural Nat. Bk., 

Tiiit. ■ 1,000 00 I 00 812 I - 

Pittefield Gaa Co 3,000 00 1,200 <>o 8,000 00 

Co C,700 



1 148,300 00 162,465 00 143,512 48 $43,512 48 

Premium notes and loans on policies now in force 

Cash in offi • apany $629 28 

Cash deposited in banks and trust companies 62.012 13 

in hands of agents due the company 

I amount of cash items 70,142 30 

Interest accrued on cash loans and on bonds owned, 72 

scrued on premium loans and notes 7.010 04 



Total accrued interest 46 ill 7<! 

Net outstanding and deferred premiums on policies in force 233 07 

Present market value of furniture, safes, and fixtures,... $3. 000 00 



Total admitted Assets. 

III. LIABILITIES. 

Claims for death losses and matured endowments, in 

process of adjustment, or adjusted and not due.. ...$33,000 00 
For death losses and other policy claims resisted, 15,000 00 

Total policy claims $48,< (hi to 

Present value of all outstanding policies and addi- 
tions thereto, in force December 31, 1874, compu- 
ted by the Connecticut Insurance Department, ac- 
cording to the Actuaries or Combined Experience 
Table of Mortality, with 4 per cent interest $2,517,380 00 

Less re-insurance, 10,657 (to 



Total, $2,506,723 00 

Dividends due policyholders 5,954 15 

Other liabilities of the company, viz.: Premiums paid in advance, i L'.'.'Ol 30 



Liabilities as to policyholders. $2,525,581 4.") 

Surplus as regards policyholders 324,876 '.'7 

Total Liabilities $2,850,458 42 

IV. INCOME DURING THE YEAR. 

Cash received for premiums on new policies $64,237 46 

Cash received for renewal premiums 403. 991 63 

(a-,h premiums from other companies, 3,597 17 



Total cash premium income, $471,826 20 

For interest upon cash loans $103,9 - — 

For interest upon bonds owned and dividends on 

Bto ks 89,896 02 

For interest upon premium notes or loans 12,537 15 

For interest upon other debts due the company, 3,838 44 



COMPANIES OF OTHER STATES. 60 

Kent received for use of company's property, or under 

sub-lease, $8,020 87 

Discount on claims paid in advance, 120 50 

Total interest, dividend and rent income, 1(58,382 16 

Total cash income, $640,208 42 

Notes or other obligations taken for new premiums, $3,591 25 

Notes or other obligations taken for renewal premiums, 34,247 75 

Total note income 37,839 00 

Total income, $678,047 42 



V. EXPENDITURES DURING THE YEAR. 

Paid for the company's own losses and policy claims, 

and additions thereto, $117,667 15 

Paid on account of policies lapsed, surrendered or 

purchased 65,835 21 

Paid for dividends to policyholders, 65,891 18 

Total cash paid to policyholders, $249,393 54 

Commissions to agents, $35,825 70 

Salaries and traveling expenses of managers of agen- 
cies, and general, special or local agents, 7,462 24 

Medical examiners' fees, 2,338 00 

Salaries and other compensation of officers and 

employes, 12,818 32 

Total pay account, 58,444 26 

Paid to other companies for policies re-insured, $5,297 43 

Dividends to stockholders, 1,785 00 

Taxes and revenue stamps, 5,557 82 

Rents 6,940 18 

Traveling, $1,601.96 ; postage and express, $1,- 
427.87 ; printing, $1,182.33 ; stationery and in- 
cidentals, $7,600; advertising, $3,612.84; 

total, 15,425 00 

Total miscellaneous expenditures, 35,005 43 

Total cash expenditures, $342,843 23 

Notes and other premium obligations used in payment 

of losses and claims, $1,841 85 

Used in purchase of surrendered policies 4, 505 37 

Used in payment of dividends to policyholders, 11,453 65 

Voided by lapse of policies, 16, 245 03 

Total premium loan disbursements, 34,045 90 

Total expenditures, $376,889 13 

9 



66 LIFE lNSTKANCE 

VI. PREMIUM NOTE ACCOUNT. 

Premium notes and other premium obligations at 

beginning of the year, £202,104 04 

Received during the year 37,889 00 



Total, |240,008 04 

Deductions during the year as follows : Notes and 

other premium obligations used as above stated, $3 t,04fi 90 
Redeemed by maker in cash, 7. 11' 7 4 2 



Total 41,173 3: 



Balance note assets at end of the year. $198 



VII. EXHIBIT OF POLICIES. 

Numbtr and amount of -policies and additions, classified: 

Number. Amount. 

Policies in force at the commencement of the year, 4,570 $10, 7.". J ."4;! 00 

New policies issued during the year 781 1,683,838 00 

Old policies revived during the year, 69 170,200 00 

Additions by dividends during the year, 10,122 00 



Total number and amount 5,420 $12,598,203 00 

Deduct policies decreased and ceased to be in force, 711 1*775,049 00 



Total policies in force at the end of the year, 4,709 $10,823,154 uo 

Number and amount of policies which have ceased to be in force during the year: 

Number. Amount 

Terminated by death, 61 $119,133 00 

By surrender. 94 285,424 00 

By lapse, 430 1,093,000 00 

Not taken 126 277.492 00 



Total 711 $1,775,049 00 

VIII. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount. 

Policies in force in Connecticut, 65 $143,866 00 

Policies issued during the year, 8 13,117 00 

Premiums collected during the year.... 2*935 72 

Losses paid 1,500 00 



COMPANIES OF OTHER STATES. 67 



CONTINENTAL LIFE INSURANCE COMPANY. 

New Youk City. 

Commenced Business March, 1866 

L. W. Frost, President. J. P. Rogers, Secretary. 

Attorney in Connecticut, George Case, Hartford, 



I. CAPITAL. 
Capital actually paid up in cash, $100,000 00 

II. ASSETS. 
Real estate owned after deducting all liens and encumbrances : 

Company's own building, New York, $810,000 00 

Loans secured by deeds of trust or mortgages upon real estate,... 1,352,925 00 

Stocks and Bonds oicned by the Company. 

Par Value. Market Value. 

U. S. Stocks: — 

U. S. 5-20's, $481,500 00 $575,484 37 

Municipal Bonds : — 

Yonkers city, 10,000 00 10,400 00 



Total $491,500 00 $585,884 37 $585,884 37 

Loans on Collaterals. 

Par value. Market Value. Aui't. Loaned. 

U. S. bonds $50,000 00 $61,062 50 $47,000 00 

N. Y. . State Bounty loan, 70,000 00 73,850 00 68,000 00 

N. Y. Central & H.R.R., 2,000 00 2,035 00 1,400 00 
Ithaca & Geneva R. R.. 

lstmort., 20,000 00 20,000 00 10,000 00 

U. S. 5-20's, 100,000 00 120,450 00 95,509 37 

First N.Bk. Yonkers, N.Y. 2,500 00 3,750 00 2,000 00 

U. S. 5-20's, 100.000 00 119,000 00 97,000 00 



Total, $344.500 00 $400,147 50 $320,909 37 320,909 37 

Premium notes and loans on policies now in force, 2,140,142 72 

Cash in office of Company, $566 78 

Cash deposited in bank, 378,771 58 



Total amount of cash items, 379,338 36 



68 LIFE INSURANCE 

Interest accrued on oasfa loans and on bonds owned,.. $49, 744 31 

Interest aoorned npon premium loans and notei 52,29 

Ete ;n s accrued ',.'< 



Total aoorned interest and rents 186 11 

Cash in bands of agents dne the company 

Net outstanding and deferred premiums on policies in force, 771.272 90 

Due from other companies on account of re-insured risks 5.000 00 



Total admitted assets, $6,581,789 18 

Items not admitted as available At 

Agency supplies, printed matter and stionery on hand, $6,500 00 
Present market value of furniture, safes and fixtures, 4s. 077 66 



Total unadmitted Items $54,577 GG 

III. LIABILITIES. 
Death losses and matured endowments, in process of 

adjustment, or adjusted and not due, $155,488 00 

Death losses and other policy claims resisted, 21,000 00 

Total policy claims, $176,488 00 

Present value of all outstanding policies and additions thereto 
in force December 31, 1874, computed in the Connecticut 
Insurance Department, according to the Actuaries or Com- 
bined Experience Table of Mortality, with 4 per cent, interest, $5, 'JIG, 260 00 
Other liabilities of the company, viz : Premiums paid in advance, 

$7,300 00; miscellaneous, $11,000 00; 18,300 00 

Liabilities as to policyholders, $0,111,048 00 

Surplus as regards policy holders, 420,741 18 

Total liabilities, $6,531,789 18 

IV. INCOME DUPING THE YEAK. 

Cash received for new and renewal premiums, $1,064,810 86 

Received for sale of annuities, .... 344.50 

Cash premiums from other companies, 2. 7 76 05 

Total cash premium income $1,967,981 41 

Interest upon cash loans, $16,574 02 

Interest upon bonds owned and dividends on stocks, 107,356 96 

Interest upon premium notes or loans 146,075 94 

Interest upon other debts due the company, 8,225 47 

Rent received for use of company's property, or un- 
der sub-lease, 31,208 32 

Discount on claims paid in advance, 1,261 52 

Total interest, dividend and rent income, 310,692 23 

Received from other companies on account of re-insured risks,... 5,000 00 

Total cash income, $2,283,623 64 

Gross notes or other obligations taken for new and renewal prem- 

4 on r)()i 22 
nims 4-j.uu+ _- 



Total income $2,712,627 86 



COMPANIES OF OTHER STATES. 69 

V. EXPENDITURES DURING THE YEAR. 

Cash paid for company's own losses and policy claims 

and additions thereto $599,480 22 

Paid to other companies for losses or claims on their" 

policies re-insured by the company, 5,000 00 

Paid to annuitants, 4,202 50 

Paid on account of policies lapsed, surrendered or 

purchased, GG 7, 440 10 

Paid for dividends to policyholders, 70,802 27 

Total cash paid to policyholders $1,840,91)1 09 

Commissions to agents $109,234 79 

Salaries and traveling expenses of managers of agen- 
cies and general, special or local agents, 75.293 75 

Medical examiners' fees, . 27,035 04 

Salaries and other compensation of officers and em- 
ployes, 88,934 84 

Total pay account, 360,498 42 

Dividends to stockholders, $7,000 00 

Paid for taxes and revenue stamps, 27,641 13 

Paid for rents, . 17,150 00 

For commuting commissions, 86,948 93 

Premiums to other companies for policies re-insured, 7,242 33 
Cash paid for Furniture, Safes and Fixtures for home 

or agency offices, 8,740 37 

Fire insurance, $2,240.53; advertising, $15,468.37; 

counsel fees, $17,001.77; stationery, $19,- 

176,96; agency expenses, $64,923.81 total, 118,811 44 

Total miscellaneous expenditures, 268,534 20 

Total cash expenditures, $1,976,023 71 

Notes and other premium obligations used in payment 

of losses and claims, $19,866 89 

Used in purchase of surrendered policies, 144.168 45 

Used in payment of dividends to policyholders, 103,920 97 

Voided by lapse of policies, 263,062 49 

Total premium loan disbursements, 531 ,018 80 

Total expenditures, , $2,507,042 51 



VI. PREMIUM NOTE ACCOUNT. 

Premium notes and other premium obligations at be- 
ginning of the year, $2,242,157 30 

Received during the year, 429,004 22 

Total, $2,671,161 52 

Deduct notes and other premium obligations used as 

above stated, 531.018 80 

Balance note assets at end of the year, $2,140,142 72 



<0 LIFE INsru.\ 

VII. EXHIBIT OF POLICIES. 
Polieiei fa fort* at tkt eoMmeneement of the year: 

Nona Amount. 

Whole Efts policies, 17 , ,234,918 00 

Endowment policies 14,016, 7< 

Joint-lives and survivorships 893 l.: 

Short term and irregular policies li'rl 1.; 

Ken polieiei iseued during the year: 

Whole life policies 1,8ft 8,651,886 <"> 

Endowment policies 

Joint lives and survivorships, 29 '. 3,809 00 

Short term and irregular policies 3,894 9,354, 1 ~ 

Total number and amount, 84,231 $71,656,474 00 

Deduct policies decreased and ceased to be in force, 8,457 18,005,984 00 

Total policies in force at the end of the year 25,774 §53,650,538 00 

Policies in force at the end of the year, including additions, classified : 

Number. Amount. 

Whole life policies 14,525 $31,822,242 00 

Endowment policies 6,216 10,289,022 00 

Joint-lives and survivorships, 67:} 1,246,196 00 

Short term and irregidar policies 4.360 10,293,078 00 

Total policies in force at the end of the year 25,774: $53,650,538 00 

Number and amount of policies ichich have ceased to be in forceduring the year. 

Number. Amount. 

Terminated by death, 247 £622. 490 00 

By expiry 4 15.000 00 

By surrender. 1,888 4,622,726 00 

By lapse. 5,026 9.003,893 00 

By change and old policies decreased, 185 1.356.240 00 

Not taken 1.107 2,3>.">..> 

Totals, 8.457 £1^.005,936 00 

VIII. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount. 

Policies in force in Connecticut, 303 $488,956 00 

Policies issued, 19 21,755 00 

Premiums collected during the year 25,591 28 

Losses paid, L3,000 00 



COMPANIES OF OTHKH STATES. 



EQUITABLE LIFE ASSURANCE SOCIETY OF THE 
UNITED STATES. 

New York City. 
Commenced Business July, 1859. 

Henby B. Hyde, President. Samuel Boeeowe, Secretary. 

Attorney in Connecticut, W. C. Strobsidge. Stamford. 



I. CAPITAL. 

Capital actually paid up in oash $100,000 00 

II. ASSETS. 

Real estate owned, after deducting all liens and encumbrances : 

Company's own building. N. Y., , $'3,075,620 57 

" branch office, Boston, Mass., 718,517 00 

Property in Elizabeth, N. J., 26,985 94 

'• New York. 62,327 54 

"Mo 48,000 00 

$3,931,451 05 

Loans secured by deeds of trust or mortgages upon real estate,... 16,624,511 94 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. and State Stocks : — 

U. S $1,600,150 00 $1,892,544 38 

N. Y., State, 190,000 00 207,575 00 

South Carolina 6's 53,750 00 16,525 00 

Virginia 6's 37,986 00 15,816 82 

Municipal Bonds : — 

N. Y. City, 517,500 00 541,842 50 

Brooklyn City, 136,000 00 148,920 00 

Sharon Town (N. Y.,) 66,000 00 68,310 00 

Yonkers Town (N. Y.,) 23,500 00 24,30150 

Little Valley (N. Y. . ) Town, 8,000 00 8,513 33 

Bank Stocks : — 

National Valley Bank, St. Louis. 2,000 00 2,100 00 

Miscellaneous : — 

Mercantile Trust Co., 550,500 00 569,193 32 

Total $3,185,386 00 $3,495,64185 3.495.641 Hr, 



i'i LIFK rNSURANCK 

ttoatu on Collateral. 

Tar Villi.-. Market Value. Amount Loaned. 

u. a. r>.2o'R $.100 oo i oo $500 oo 

•' 6*8 25,000 00 29,718 751 

" 5-20'a 15,000 00 17,537 50 I 

N. V. State Btook 10,000 00 10,575 00 j 50 » 000 00 

11 Life <k Trust Co 5,000 00 10,000 00 J 

Brooklyn City 8,000 00 8,480 00 7,000 00 

Wash'g Square Stat. Island 250 00 225 00 220 00 

IT. S. 5-20'a '-',000 00 2,875 001 

" 6'a 1,000 00 1,188 75J 

•■ 10-40'h 200 00 230 00? 

•• 5-20'a 200 00 :34 oo) 

•• 6's 7,000 00 8,303 75) 

11 5-20'a 3,000 00 3,562 50 i 

Brooklyn City 25,000 00 25,000 00 ^ 

Queens County (N. Y..).... 14,000 00 14,000 001 

U. S. 5-20'a 1,000 00 1,187 50 750 00 

" 5-20's 1.000 00 1.187 50 1.000 00 



3.000 00 

400 oo 

10,500 00 

31,700 00 



Total $118,150 00 $134,365 25 $105,070 00 105,070 00 

Cash deposited in bank, and other depositories drawing interest,. 533,837 83 

Interest accrued on cash loans and on bonds owned,. $158,948 56 
Rents accrued, 25,813 15 



Total accrued interest and rents, 184.701 71 

Cash in hands of agents due the company. 192,010 45 

Net outstanding and deferred premiums on policies in force, 731,573 29 



Total admitted Assets, $25,798,864 12 



III. LIABILITIES. 

Death losses due and unpaid, $32,000 00 

Claims for death losses and matured endowments, in 

process of adjustment, or adjusted and not due.... 272. 9G0 00 
Claims for death losses and policy claims resisted..... 32,000 00 

Total policy claims $336,960 00 

Present value of all outstanding policies and additions thereto in 
force December 31, 1874, computed by the Connecticut Insur- 
ance Department, according to the Actuaries or Combined 

Experience Table of Mortality, with 4 per cent interest, 28,474,593 00 

Unpaid dividends of surplus, or other description of profits due 

policyholders, 00,840 00 

Liability under the three months clause, !'0.000 00 



Liabilities as to policyholders $23,9711*402 00 

Surplus as regards policyholders 1.827,402 12 

Total Liabilities $25,798L864 12 



COMPANIES OF OTHEK STATES. 78 

IV. INCOME DURING THE YEAR. 

Cash received for new and renewal premiums $8,172,864 27 

Received for sale of annuities' 54,435 13 

Total cash premium income $8,227,290 40 

Iuterest upon bonds owned and dividends on st'ks,. $1,230,960 03 

Interest upon other debts due the company, 70,150 18 

Rent received for use of Company's property or un- 
der sub-lease, 113,320 03 

Total interest, dividends and rent income, 1,-423,437 74 

Total income, (all cash) $0,050,737 14 

V. EXPENDITURES DURING THE YEAR. 

Paid for Company's own losses and policy claims, 

and additions thereto. $1,048,362 3G 

Paid to annuitants 13,080 04 

Paid on account of policies lapsed, surrendered or 

purchased. 1,268,680 60 

Dividends to policyholders 1,585,370 20 

Total cash paid to policy holders, $4,816,402 20 

Commissions to agents $306,368 71 

Salaries and traveling expenses of Managers of Agen- 

cies.and General, Special or Local Agents, 22,300 00 

Medical examiners' fees, 61,768 33 

Salaries and other compensation of officers and em- r 

ployes, 261,360 41 

Total pay account, 741.797 45 

Dividends to stockholders. ($7,000.00 gold) 7,707 00 

Premiums to other companies for policies re-insured, 3,419 92 

Taxes and revenue stamps 99,151 62 

Rents, at agencies. 43,363 44 

Commuting commissions 454,930 80 

Furniture, safes, and fixtures for home or agency 

offices, 84.564 56 

Advertising and office expenses, $152,178.84 ; print- 
ing, stationery and agency expenses, $41,782.69; 
law expenses, $34,777.23; sundry expenses, 
$99,400.70; total, 328,139 55 

Total miscellaneous expenditures 1,021,366 89 

Total expenditures, (all cash) $6,579,566 54 

VI. EXHIBIT OF POLICIES. 

Policies in force at the commencement of the year : 

Number. Amount. 

Whole life policies, 38,796 $154,983,237 00 

Endowment policies, 8,147 28,170.215 00 

Joint-lives and survivorships. 272 736, 228 00 

Short term and irregular policies, 73 392.450 CO 

10 



7 1 UFK [NSURANCK 

Ncir Policies issued during tin year 



Whole life policiee 

Endow hi. nt policies 

Joint-lives and survivorships 

Short term and irregular policies, 



Old policies revived during the year : 

Ni 

Whole life policies 

Endowment policies 152 

Joint-lives and survivorships 

Short term and irregular policies 

Additions by dividt nds during the year : 

Whole life policies 1,498,006 00 

Endowment policies 394,868 I 

Joint-lives and survivorships 5,612 no 



,902 


25,997,500 oo 


727 


1,947,949 do 


56 


1. mi. 850 oo 


30 


140,940 00 


imber. 


Amount. 


7:;i 


$3,457,590 oo 


152 


522,000 00 


Hi 


55,000 <»i) 


g 


20.000 oo 



Total number and amount, 56,898 $218,471,945 00 

Deduct policies decreased and ceased to be in force 6,768 37,442,944 00 



Total policies in force at th- end of the year, 48.l.".o $181,029,001 oo 

Policies in Jorce at the end of the gear, including additions, classified: 

Number. Amount. 

Whole life policies, 40.011 $154,188,513 oo 

Endowment policies 7.7S1 25,875,673 oo 

Joint-lives and survivorships, 278 (>82.;)2.-> oo 

Short term and irregular policies 60 281,890 oo 



Total policies in force at the end of the year, 48,130 $181,029,001 00 

Number and amount ofPolicu * which have ceased to be in force during the year : 

Number Anion i>t. 

Terminated by death 4:>7 $1,820,790 oo 

By expiry L>2 ,118,500 oo 

By surrender 2,529 13,7>77.204 00 

By lapse, 4.27)8 16,097,970 oo 

Not taken 1.502 :>.>l's.180 00 



Totals, 8,708 $37,442,944 00 

VII. BUSINESS IX CONNECTICUT IN 1874. 

Number. Amount 

Policies in force in Connecticut 597 $2,233,235 oo 

Policies issued 54 i'17.-l!>:> oo 

Premiums collected during the year 54,156 .2 

Losses paid ' 3,500 oo 



COMPANIES OV OTHEH STATES. 75 



GERMANIA LIFE INSURANCE COMPANY. 

Nkw York City. 

Commenced Business July 17. i860. 

Hugo Wesendonck, President. Cobnelius Dobemus, Secretary, 

Attorney in Connecticut, Maieb Zundek. New Haven. 



I. CAPITAL. 
Capital actually paid up in cash, $200,000 00 

II. ASSETS. 

Loans secured by deeds of trust or mortgages upon real estate,... $1,905 697 94 

Stocks and Bonds owned by the Company. 

Par Value, Market Value 

U. S. and State Stocks : — 

"U. S. bonds $585,000 00 $684,601 25 

Virginia State bonds, 30, 000 00 10, 500 00 

Mississippi State Auditors Warr't 10,000 00 7,500 00 

Municipal Bonds : — 

N. Y. City and County 7 per c, 8 50, 000 00 360,500 00 

Brooklyn City, 7 per c, Park 1., 65,000 00 66,300 00 

Brooklyn City, 6 per c, Water... 15,000 00 14.100 00 



Total $1,055,000 00 $1,143,501 25 1,143,501 25 



Loans on Collateral. 

Par Market Amount 

Value. Value. Loaned. 

U. S. 5-20 bonds, $4,000 00 $4,835 00 $4,000 00 4,000 00 

Cash in office of Company, $3,199 80 

Cash deposited in banks and trust companies. Io3,037 4H 

Total amount of cash items, 156,237 29 

Interest accrued on cash loans and on bonds owned, 87,694 08 

Net outstanding and deferred premiums on policies in force, 342,873 77 



Total admitted Assets, $6,640,004 33 



76 LIFK INSURANCE 

III. LIAHILI TIKS. 

Death losses doe and unpaid $5,068 li 

Olaimfl for death losses and matured endowments, in 

prooesa <>f adjustment, or adjusted and not dne 83,1 (2 39 

Claims for death Losses and other policy elaims resisted. 23,638 9] 



Total policy claims $111844 71 

Present value of all outstanding policies and additions 
in force December 31st, L874, oomputedby the Connecticut 
Insurance Department, according to the Actuaries or Combined 
Experience Table of Mortality, with 4 per cent, interest 6,181,599 00 

Unpaid dividends of surplus, or other description of profits 

duo policyholders, 26,715 B9 

Reserve for extra risks and policies lapsed, liable to be surrend'd I 2, _ 



Liabilities as to policyholders 6,331, 12 

Surplus as regards policyholders. 308,575 63 



Total liabilities $6,640,004 33 



IV. INCOME DU1UNG THE YEAR. 

Cash received for new and renewal premiums. ^l.V'^.li^ »;> 

Received for sale of annuities, 932 76 

Received for all other premiums, 1 2,066 90 



Total cash premium income, $1,561,408 

For interest upon cash loans, $315,824 23 

For interest upon bonds owned, <;4.*(h; 10 

Discount on claims paid in advance, 619 00 



Total interest income, 381,339 33 

Policy fees, 192 35 



Total income (all cash) $1,942,940 01 



V. EXPENDITURES DURING THE YEAR. 

Cash paid for company's own death losses and policy 

claims and additions thereto, $546,332 42 

Paid to annuitants 6,485 88 

Paid on account of policies lapsed, surrendered or 

purchased 279,083 99 

Paid for dividends to policyholders 101,175 54 



Total cash paid to policyholders $932,077 28 

Commissions to agents, $107,874 60 

Salaries and traveling expenses of managers of agen- 
cies, and general, special or local agents, 40,944 52 

Medical examiners' fees, 10.337 39 

Salaries and other compensation of officers and em- 
ployes 57,136 37 

Total pay account 216,292 ** 



COMPANIES OF OTIIEIJ STATES. 77 

Dividends to stockholders, $24,000 00 

Paid for taxes and revenue stamps, 16,726 03 

For rents, 8,880 82 

Commuting Commissions, 7,337 04 

Furniture, safes and fixtures for home or agency 

offices, 5,380 58 

Printing, advertising, stationery, postage, expressage, 

law expenses and sundries 28.3G7 85 



Total miscellaneous expenditures,..,.. 90,048 32 



Total expenditures (all cash) $1,239,018 48 



VI. EXHIBIT OF POLICIES 
Policies in force at the commencement of the year : 

Number. Amount. 

Whole life policies. 15,996 $28,082,064 17 

Endowment policies, 3,491 5,832.653 77 

Joint-lives and survivorships, t 229 315,376 23 

Short term and irregular policies, 23 12,119 00 

New 'policies issued during the year : 

Whole life policies. 1.532 2.007,324 78 

Endowment policies, 867 1,115,043 17 

Joint-lives and survivorships, 52 60,506 63 

Short term and irregular policies, < 2 10,250 00 

Old policies revived during the year : 

Number. Amouut. 

Whole life policies, 39 $70,498 75 

Endowment policies, 8 11,768 75 

Old policies increased in amount : 

Endowment policies, 1 25 00 

Additions by dividends during the year : 

WTiole life policies, 56,760 52 

Endowment policies, 11,993 88 

Joint-lives and survivorships, 302 55 



Total number anti amount, 22,240 $38,187,347 20 

Deduct policies decreased and ceased to be in force....... 2,448 4,097,247 58 



Total policies in force at the end of the year, 19,792 $34,090,099 62 

Policies in force at the end of the year, including additions, classified. 

Number. Amount. 

Whole life policies, 15,776 $27,721,590 35 

Endowment policies, 3,757 6.035,107 85 

Joint-lives and survivorships, „ 234 311,032 42 

Short term and irregular policies, 25 22,369 00 



Total policies in force at the end of the year 19,792 $34,090,099 62 



78 LIFE [N8URANCE 

Number and amount of policies which /<</<■< ceased to be in force during the year: 

Number. Amount. 

Terminated by death 299 $54 t,867 :>i 

By expirj 11 s t 258 L8 

By surrender, 1,165 2,056,751 07 

By lapse 766 1,164,706 04 

By change and old policies decreased, 6 19,221 2"> 

Not taken, 202 803,446 58 

Totals, 2,448 $4,097,247 58 



VII. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount. 

Policies in force in Connecticut, 218 $242,783 00 

Issued during the year, ."> 5,533 00 

Premiums collected during the year, 8,032 19 

Losses paid, 13,750 58 



HOME LIFE INSURANCE COMPANY. 

Brooklyn, N.Y. 

Commenced Business April, 1860. 

George C. Ripley, President. William J. Coffin, Secretary. 

Attorney in Connecticut, Philip Pond, New Haven. 



I. CAPITAL. 
Capital actually paid up in cash $125,000 00 

II. ASSETS. 

Real estate owned, after deducting all liens and encumbrances : 

Company's own building, N. Y., $172,400 00 

Property in Brooklyn, N. Y., 16.000 00 

1 $188,400 00 

Loans secured by deeds of trust or mortgages upon real estate, . 1,308,550 00 

Stock* and Bond* owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks: — 

U.S. 5-20's, $244,500 00 $277,965 00 

New York State, 50,000 00 51,750 00 

Municipal Bonds : — 

Kings County, 218,000 00 218,000 00 

Brooklyn City, 674,000 00 674,125 00 

Total, $1,181,500 00 $1,216,840 00 $1,216,840 00 



COM PA NIKS OF OTHER STATES. 19 

Loans on Collateral. 

Par Value. Market Value. Anit. Loaned. 

U. S. 5-20's, $3,000 00 $3,300 00") 

Brooklyn City Gas Co.. 5.07.-. 00 12,687 00 

U. S.,.. 30,000 00 3,3,900, 00 

Western Union Telegraph,. 10,000 00 10,000 00 

BankofUtica, 2.000 00 2,000 00 }' 

Bowery Bank, 1,200 00 1.200 00 

Nassau Nat Bk. Brooklyn.. 2,000 00 2,500 00 

Atlantic Ins. Co., 2,000 00 2,000 00 j 

Nassau Bank N. Y., 2,000 00 2.200 00 J 

Nassau Nat. Bk. Brooklyn.. 2,000 00 2,500 00"| 

Brooklyn Bank 1.500 00 1,650 00 j 

Brooklyn City Gas Co., 2.150 00 0,125 00 

Nassau Gas Co., 000 00 600 00 

National Bank, N. Y., 1.200 00 1.200 00 | 

IT. S. bond 5,000 00 5,650 00 J 

Nassau Nat. Bk. Brooklyn,. 1,000 00 1 250 00") 

Union Trust Co., 10,000 00 12,000 00 I 

St. Nicholas Bank, 0,500 00 0,500 00 j 

Home Insurance Co 3,000 00 3.000 00J 



J- 12,700 00 



20,000 00 



Total, $90,525 00 $110,352 00 $89,100 00 $89,100 00 

Premium notes and loans, on policies now in force. ,.... 1,064,869 18 

Cash in office of Company and in bank 131,682 16 

Interest accrued on cash loans and bonds owned,.,.... $13,008 17 
Rents accrued, 2,350 12 



Total accrued interest and rents 15.358 29 

Net outstanding and deferred piemiums on policies in force 99,355 60 

Total Assets $1,111,155 32 

III. LIABILITIES. 

Claims for death losses, and matured endowments in process of 

adjustment, or adjusted and not due, $25,000 00 

Claims for death losses and other policy claims resisted, 24,000 00 

Present value of all outstanding policies in force on the 31st day 
of December, 1874, computed by the Connecticut Insurance 
Department, according to the Actuaries or Combined Experi- 
ence Table of Mortality with 4 per cent, interest, 3,654,833 00 

Liabilities as to policyholders, "3,703,833 00 

Surplus as regards policyholders, 410,322 32 

Total liabilities, $4,114,155 32 

IV. INCOME DURING THE YEAR. 

Cash received for premiums on new policies, $52,981 61 

Cash received for renewal premiums, 494,853 38 

Total cash premium income, $547,834 99 

Interest upon cash loans, bonds owned and divi- 
dends on stocks $171,586 92 



80 LIFK [XSUKAXCK 

-t apon premium note or loans, $72,830 52 

\i< .! !• reived for use of Company's property or un- 
der Bub-lease 5,OH4 00 

Total interest, dividend and ren< 249,451 44 

• J --asli Income $797,286 18 

or obligations taken for new premiums $16,712 25 

Notes or obligations taken for renewal premiums,... l'!< >,58U 12 

Total note income ,292 :;7 

Total income - 

V. EXPENDITUEES DURING THE YEAR. 

Paid for Company's own losses and policy claims, and additions 
thereto $210,753 77> 

Paid to annuitants 2,189 01 

Pai 1 on account of policies lapsed, surrendered or pur- 
chased. 62,350 :;:'» 

Paid for dividends to policyholders, 82,356 13 

Total cash paid to policyholders. >."> 22 

Commissions to agents, $63,616 75 

Salaries and traveling expenses of managers of agen- 
cies, and general, special or local agents, i:'».717 22 

Medical examiners' fees, 3,834 00 

Salaries and other compensation of officers and em- 
ployes, o(UJ7!' 88 

Total pay account, 111,847 85 

Dividendsto stockholders, $15,000 00 

Taxes and revenue stamps, 4.220 09 

Rents 9.7111 CI 

Furniture, safes and fixtures for home or agency 

offices 7)1 !>0 

Miscellaneous expenses, 11,711 73 

Total miscellaneous expenditures, 40,775 33 

Total cash expenditures, $460,228 40 

Notes and other premium obligations used in pay- 
ment of losses and claims, $15,414 !•""> 

Used in purchase of surrendered policies, 47.7^4 35 

Used in payment of dividends to policyholders 131.518 01 

.; premium lo in disbursements, 194.716 51 

Total expenditures $654,944 91 

\ '. PREMIUM NOTE ACCOUNT. 
and other premium obligations at be- 
ginning of the year *1 ,028,415 87 

redduringthe you- 2:::;.2:'2 :',7 

Total $1,261,708 24 



COMPANIES OF OTHER STATES. 81 

Deduction during the year, as follows : Notes and 

other premium obligations used as above stated, $194,710 51 
Redeemed by maker in cash, 2,122 55 

Total, 196,839 06 



Balance note assets at end of the year, $1, 004,809 18 

VII. EXHIBIT OF POLICIES. 

Policies in force at the commencement of the year : 

Number. Amount. 

Whole life policies, 8,059 $17,820,115 00 

Endowment policies, 1,873 

Joint-lives and survivorships, 200 

Short term and irregular policies 4 

New policies issued during the year : 

Whole life policies, , 913 

Endowment policies. 1G3 

Joint-lives and survivorships, 4 

Old policies revived during the year : 

Whole life policies, 5 

Endowment policies, 4 

Additions by dividends during the year : 

Whole life policies, 

Endowment policies, 



3,508,238 


00 


371,730 


00 


3,000 00 


1,073,292 00 


204.841 


00 


1,315 


00 


6,000 


00 


0,500 


00 


723 


00 


1,338 


00 



Total number and amount, 11,829 $23,723,092 00 

Deduct policies decreased and ceased to be in force, 1,420 2,791,280 00 



Total policies in force at the end of the year, 10,409 $20,932,412 00 

Policies in force at the end of the year, including additions, classified: 

Number. Amount. 

Whole life policies 8,430 $17,222,718 00 

Endowment policies, 1,791 3,387,149 00 

Joint-lives and survivorships, 181 321,545 00 

Short term and irregular policies, 1 1,000 00 



Total policies in force at the end of the year 10,409 $20,932,412 00 

Number and amount of Policies which have ceased to be in force during the year: 

Number. Amount. 

Terminated by death, 105 $220,108 00 

By surrender, 987 1,955,312 00 

By lapse, 201 325,300 00 

Not taken, 127 284.500 00 



Totals, 1,420 $2,791,280 00 

No business in Connecticut, 
11 






LIFE INSURANCE 

HOMOEOPATHIC MUTUAL LIFE [NSURANCE COMPANY. 

Nkw York City. 
(' mimenced Business, July. 
D. D. T. M\k>k\].i.. President. Fbanx B. IIathew, Secretary. 

Attorney in G tt. Horace Pubdt, Danbury. 



I. CAPITAL. 
Capital actually paid up in cash. 

II. ASSETS. 
Real estate owned, after deducting all liens and encumbrances : 

Property in Westchester Co.. X. Y., $1,845 00 

• Nw-lcwv 3,928 00 

773 00 

Loans secured by deeds of trust or mortgages upon real estate,... 292,980 '.'4 

Stock* mid Bonds owned by the Company. 

Par Value. Market Value 
U. S. Stocks : — 

U. S. Bonds, 8117.000 00 $135,135 00 

Municipal Bonds: — 

Town of Somerset, N. Y 14,000 00 14.000 00 

" Sodus, " 10,000 00 10,000 00 

" Yates, •• 11,000 00 11,000 00 

Railroad Bonds : — 

East Broad'y, Dry D'ck & Grand St 38,000 00 00 



Total $190,000 00 $208,135 00 206,185 00 

Li >n ns on Collateral. 

Par Value. Market Value. Aim. Loaned. 

U. S. 5-20*8, $1,000 00 $1,141 25 $1,000 00 

D B. 6- lie's. 1,500 00 1,71187 1,500 00 

Town of Lewiston, N. Y.,.. 5,000 00 4,500 00"! 

Clark Thread Co 5,000 00 r,..»o0 00 

Hamilton Fire Ins. Co 900 00 1,-100 00 

Deed House and Lot, 90 

s'th Second St. Brooklyn. 2,500 00 2,500 00 \ 10.000 00 
I House and Lot, 119 

□ St. Brooklyn 4.000 00 4.000 00 

i aa i mortgages. 14.000 oo L4,0 



Total, $33,900 00 $35,253 12 $12,500 00 $12,500 00 



COMPANIES OF OTHER STATES. 83 

Premium notes and loans on policies now in force, $5,919 40 

Cash in office of Company $430 39 

Cash deposited in Banks, 8.117 20 

Total amount of cash items, 8,547 59 

Interest accrued on cash loans, bonds owned, and on premium 

loans and notes, 11,116 46 

Net outstanding and deferred premiums on policies in force, 83,141 97 

O ther items, 2,577 07 



Toial admitted Assets, $580,691 42 



Items not admitted as available Assets 

Invested in commuting commissions, $8, 000 00 

Present market value of furniture, safes and fixtures.., 2,900 23 

Total unadmitted Items $10,900 23 



III. LIABILITIES. 

Death losses, and matured endowments, in process of 

adjustment, or adjusted and not due, $3,048 00 

Present value of all outstanding policies and addi- 
tions thereto, in force December 31st, 1874, com- 
puted by the Connecticut Insurance Department, 
according to the Actuaries or Combined Experience 
Table of Mortality, with 4 per cent, interest, $523,199 00 

Deduct net value of risks re-insured in other sol- 
vent companies, 4,747 00 

Net re-insurance reserve, $518,452 00 

Trust moneys, $3,500 ; reserved for all other claims, $4,803; total. 8,303 00 



Liabilities as to policyholders, $529,803 00 

Surplus as regards policyholders, 50,888 42 

Total Liabilities, $580,691 42 



IV. INCOME DURING THE YEAR. 

Cash received for premiums on new policies, $63,662 18 

Cash received for renewal premiums, 133,044 78 



Total cash premium income, - $196,706 96 

Received for interest upon cash loans, bonds owned, dividends 

on stocks, and upon premium notes or loans 36,123 04 



Total cash income, $232,830 00 



V. EXPENDITURES DURING THE YEAR. 

Paid for the Company's own losses and policy claims. 

and additions thereto, $34,209 37 

Paid for matured endowments, 2.514 00 



8-i LIFK INS CHANCE 

Paid <m account of policies lapsed, surrendered or 

purchased $65,681 20 

Paid for rebates to policyholders 7,989 86 



Total cash paid to policyholders, $110,1- 

Commissions to agents $12,944 74 

Salaries and traveling expenses of managers of agen- 
cies, and general, special or local agents, 15,470 85 

Medical examiners' fees, 2,802 21 

Salaries and other compensation of officers and em- 
ployes, 8,919 00 

Total pay account, 40,142 80 

Premiums to other companies for policies re-in- 
sured, $5,465 70 

Taxes and revenue stamps, 1,107 57 

Rents, 3,075 00 

Commuting commissions, 3,808 36 

Legal expenses, 325 f>7 ; printing and stationery, 
$3,707 93; advertising, $1,702 49; postage and 

exchange, $l,91tf 37; expenses, $3,003 93; total, 10,776 29 



Total miscellaneous expenditures, 24,232 98 



Total expenditures, (all cash) $174,859 71 



VI. EXHIBIT OF POLICIES. 

Policies in force at the commencement of the year : 

Number. Amount. 

Whole life policies 1,050 $3,352,549 00 

Endowment policies, 778 1,132.521 00 

Joint-lives and survivorships, 35 51,161 00 

Short term and irregular policies, 28 95.000 00 

New policies issued during the year : 

Whole life policies 

Endowment policies, 

Joint-lives and survivorships. 

Short term and irregular policies, 

Old policies rev hed during the year: 

Whole life policies, 4 6,000 00 

Short term and irregular policies, , 1 2,500 00 



Additions by Dividends: 

Whole life policies, 1,486 00 

Endowment policies 687 00 



u 


1,203,761 00 


l'.\ 


2(17.037 00 


8 


10.477 on 


13 


17.0(10 00 



Total number and amount. 3,397 6,110,779 00 

Deduct policies decreased and ceased to be in force... 729 1,450,927 00 



Total policies in force at the end of the year, 2,668 $4,659,862 00 



COMPANIES OF OTHER STATES. 85 

Policies in force at the end of the year, including additions classified : 

Number. Amount. 

Whole life policies, 1,770 #3,441,850 00 

Endowment policies 831 1,080,912 00 

Joint-lives and survivorships, 38 55,590 00 

Short term and irregular policies 23 81.500 00 

Total policies in force at the end of the year, 2.668 $4,659,852 00 

Number and amount of policies whicJi have ceased to be in force during the year : 

Number. Amount. 

Terminated by death. 21 $36,759 00 

By expiry 8 11,500 00 

Bysurrender, 200 448,968 00 

By lapse, 308 606,000 00 

By change and old policies decreased, 42 82,000 00 

Not taken, 150 265,700 00 

Totals, 729 $1, 450.927 00 

VII. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount. 

Policies in force in Connecticut, 420 $515,851 00 

Issued during the year, 81 93,336 00 

Premiums collected during the year. 23.014 38 

Losses paid during the year, , ... ti ,.., 2,504 00 



8fi LIFE [NSUUANCK 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY. 

Boston. Mab& 
Commenced Business. December, 1868. 

George Thornton, President. Eben Bacon, Secretary proUem. 

Attorney *in Connecticut, T. E. Packer. Mystic Bridge. 



I. ASS1 

Loans secured by deeds of trust or mortgages upon real estate 1,243,01 

Stocks and bonds owned by the Company. 

Par Value Market Value 
U. S. Stocks : — 

U. S. Bonds |100,000 00 $117,965 00 

Municipal Bonds ■ — 

City of Portland, 5,000 00 4,704 00 

" Bath 2,000 00 1,860 00 

•' Salem, 11.000 00 10,660 00 

'• Lynn 14.000 00 13,600 00 

41 Boston, 25,000 00 25,375 00 

" Cambridge, 4,200 00 4.158 00 

" Albany 10,000 00 9,600 00 

" Cincinnati, 10,000 00 10,300 00 

" Chicago, 10.000 00 10,000 00 

Town of Brighton. Mass., 25,000 00 25.375 00 

Railroad Bonds : — 

Vermont Cen. & Ver. & Canada.. . 6,000 00 3,480 00 

Ogdensburgh A Lake Champlain, . 5,000 00 4.450 00 

Phila., Wilmington* Baltimore,. 7.000 00 6,860 00 

Western Mass 5.000 00 5,000 00 

Illinois Grand Trunk 20,000 00 20. 400 00 

Michigan Central 6,000 00 6,160 00 

Grand River Valley. Mich., 10.000 00 9,600 00 

Cedar Rapids & Missouri River 16,000 00 12,900 oo 

Lansing, Jackson A Saginaw. 10,000 00 9,800 00 

Boston & Albany 75,000 00 

Boston & Providence, 25,000 00 26,250 00 

Chicago, Burlington A Quincy 20,000 00 20,350 00 

Vermont A Canada 12,000 K) - • 00 

Old Colony R. K. Co. loan 60,000 00 9 00 

Boston A Providence R.R. Co. loan 113,000 00 11:1.000 00 

Old Colony A Newport 29,000 00 29,276 00 



COMPANIES OF OTHER STATES. ! . 

Par Valne. Market Value. 

Bank Stocks : — 

New England Nat. Bank, $10,000 00 |1 l.soo 00 

Tremont, " 5,000 00 6,1.87 50 

Continental. " 7,000 00 8,200 00 

Boylston, " 3,000 00 4,650 00 

Washington, " 10,000 00 14,800 00 

Miscellaneous : — 

Newton & Watertown Gas L. Co.,. 20,000 00 20,000 00 

The Appleton Co. loan, 25,000 00 25,000 00 

Continental Mills loan. 25,000 00 25,000 00 

Total $728,200 00 $753,578 50 $753,578 50 



Loans on Collateral. 

Par Value. Market Value. Amt Loaned. 
Cedar Kapids & Missouri 

River R. R $5,000 00 $4,300 00) 

Narragansett Steamship Co. . 7,000 00 0,525 00) 

Proprietors of Long Wharf,. 2,200 00 2.200 00 2,200 00 
Burlington & Missouri River 

R. R.. Iowa 19,700 00 21.025 75 15,000 00 

Michigan Central R. R., 1,000 00 800 00) 

Boston & Albany R. R 1.000 00 1,360 00) 

Burlington & Mo. Riv. R. R, 11,000 00 11,742 50 0.000 00 

American Whip Co., 20,500 00 20.500 00 12.000 00 

City of Worcester 500 00 P.! 7 00 200 00 



$10,000 00 



2,000 00 



Total $67,900 00 $08,954 25 $50,400 00 50,400 00 

Premium notes and loans, on policies now in force. 394,646 63 

Cash in office of Company, $3,077 99 

Cash deposited in Banks and trust companies, 42.412 96 

Cash in hands of agents due the company, 23,312 10 



Total amount of cash items, 68, 803 05 

Interest accrued on cash loans and on bonds owned, ....$32,761 33 
Interest accrued on premium loans and notes 12,827 27 



Total accrued interest, 45,588 60 

Net outstanding and deferred premiums on policies in force, . . .. 85,311 31 

Loans on personal security only, 1,500 00 



Total admitted assets, 82,642,828 09 

Items not admitted as available Assets. 
Present market value of furniture, safes and fixtures,. $4, 000 00 

II. LIABILITIES. 

Death losses and matured endowments in process of adjustment 

or adjusted and not due, $19,339 00 

Present value of all outstanding policies and addi- 
tions thereto in force December 31st, 1874, compu- 






LIKK INSURANCE 

by the Ooj I Insurance Department, 
irding tothe.Acl Combined ESxperi- 
enoe Table of Mortality, with 4 per. cent interest.. $2, 600,911 oo 
Deduct net value of Lin other sol- 
vent companies 2,279 <)0 

Net re-insnranee reserve, 2,5! 

Du • "ii acc< onl of Balaries, rente and office exp< uses L,687 60 

Preminms paid in advance 782 ."><> 

Liabilities as to policyholders $2,620,440 80 

Surplus as regards policyholders. 22,3 

Total Liabilities and Surplus. $2,642,828 09 



III. INCOME DURING THE YEAR. 

Gash received ou new and renewal premiums $597,975 99 

Interest upon cash loans $36,742 00 

Interest upon bonds owned and dividends on stocks. ... 36,813 97 

Interest upon premium notes or loans 21,080 10 

Interest upon other debts due the company. 73,580 85 

Discount on claims paid in advance 3,696 UO 

Total interest and dividend income. 171.01.°. 52 

Total cash income $769,889 51 

Notes or other obligations taken for new and renewal 

premiums, 69,752 27 

Total income, $839,641 78 



IV. EXPENDITURES DURING THE YEAR, 

Taid for the Company's own losses and policy claims 

and additions thereto $196,793 33 

Paid to annuitants 1.772 00 

Paid on account of policies lapsed, surrendered or 

purchased 190,415 04 

Dividends to policyholders 21.427 12 

Total cash paid to policyholders, 8410,407 49 

Commissions to agents $68,368 11 

Medical examiners' fees, 4,112 50 

Salaries and other compensation of officers and em- 
ployes 30,984 52 

Total pay account, 103,405 13 

Premiums to other companies for policies re-insured, . $929 47 

4.297 B0 

Rente 8,011 07 

Commuting commissions 5.285 46 



COMPANIES OF OTHER STATES. 89 

Furniture, safes and fixtures for home or agency offices, $81 56 
Paid on any account not itemized above, viz: Printing 

$2,233.50; advertising, $2,703.59; stationery, 

$ 788. OS) ; traveling expenses, $1,048. 7G; legal 

expenses. $1,662.45 ; postage stamps, $-190.2-1- ; 

incidental expenses, $1,495.00 11,028 23 

Total miscellaneous expenditures, 29,633 59 

Total cash expenditures, $543,500 2] 

Notes and other premium obligations used in payment 

of losses and claims. $7,782 50 

Used in purchase of sut rendered policies, 5,400 70 

Used in payment of dividends to policyholders, 0,583 00 

Voided by lapse of policies 131,107 50 

Total premium loan disbursements, 151,023 70 

Total expenditures, $694,529 97 

V. PREMIUM NOTE ACCOUNT. 

Premium notes and other premium obligations at 

beginning of the year, $4 77,117 57 

Received during the year, 09.752 27 

Total $546,809 84 

Deductions during the year, as follows : Notes and 

other premium obligations used as above stated, $151,023 70 
Redeemed by maker in cash, 1,199 45 

Total, , 152,223 21 

Balance note assets at end of the year, $394,646 63 

VI. EXHIBIT OF POLICIES. 

Policies in force at the commencement of the year: 

Number. Amount. 

Whole life policies, 5,347 $12,965,643 00 

Endowment policies, 2,402 4,043,319 00 

Joint-lives and survivorships, 11 18,300 00 

Short term and irregular policies, 1 5.000 00 

New policies issued during the year : 

Whole life policies, 486 1,030,256 00 

Endowment policies, 240 252,185 00 

Total number and amount, 8.487 $18,314,703 00 

Deduct policies decreased and oeased to be in force, 1,596 3,705,089 00 

Total policies in force at the end of the year, 6,891 $14,549,614 00 

12 



90 LIFE INSURANCE 

Policies in for 66 at thi end of the year i including additions, classified: 

Number. Amount 

Whole life policies 4,675 $11,189,601 00 

Bndowmenl policies 2,206 3,394,813 00 

Joint LiY6S ami survivorships 10 L5,800 00 

Total policies in force at the end of Hie year, 6,891 $14,549,614 00 

Number and amount of policies which have ceased to be in force during the year : 

Number. Amount. 

Terminated by death 54 $132,931 00 

By expiry, 1 5,000 <>o 

By surrender, 428 l,lL'.V"."7 00 

By lapse 1,025 2,253,060 00 

Not taken, 88 248,601 00 

Totals, 1,596 $3,765,069 on 



VII. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount. 

Policies in force in Connecticut, 181 $347,450 00 

Issued during the year, 1 1.000 00 

Premiums collected during the year, 16,490 10 



COMPANIES OF OT1IKIJ STAT] S. Dl 



MASSACHUSETTS MUTUAL LIFE INSURANCE CO. 

Springfield, Mass. 
Commenced Business 1851. 
Ephkaim W. Bond, President. Avery J. Smith, Secretary. 

Attorney in Connecticut, A. H. Bond, Hartford. 



I. ASSETS. 

Real estate owned, after deducting all liens and encumbi-ances, ... $157,230 73 
Loans secured by deeds of trust or mortgages upon real estate,... 3,138,909 00 



Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. and State Stocks : — 

U. S. bonds, $199,700 00 $236,121 00 

New York State bonds, 70,000 00 73,500 00 

Municipal Bonds: — 

Springfield City, 3,000 00 3,000 00 

Railroad Bonds : — 

Boston & Albany R. R. , 30,000 00 40,500 00 

Council Bluffs & St. Joseph, 30,000 00 27,000 00 

Burlington, Cedar Rapids & Minn., 12,050 00 7,230 00 

Kansas Pacific 26,000 00 15,600 00 

Peoria & Rock Island, 5,000 00 3,000 00 

Ind., Bloomington & Western, 40,000 00 24,000 00 

Potsdam & Watertown, 5,000 00 5,000 00 

St. Louis, Alton & Terre Haute,.... 31,500 00 32,760 00 

Buffalo, New York & Erie, 6,000 00 6,240 00 

Missouri Pacific, 24,000 00 24,000 00 

St. Joseph & Denver City 20,000 00 8,000 00 

Kansas Pacific coupon certificates, . 4,095 00 4,095 00 

Bank Stocks : — 

Agawam National Bank. Springfield. 500 00 700 00 
Pynchon 



First 

Second 

Chicopee 

John Hancock 



2,000 00 3,300 00 

10,000 00 14,500 00 

8,100 00 16,200 00 

3,300 00 5,610 00 

1,000 00 1,300 00 



•J LIFK tNSI RANCK 

Par Value. Market Value. 

Ban* of Commerce, Boston, $4,700 00 !9 00 

Mere] '1111 Bank, '* 00 2,180 00 

fcex •• " » 00 2,77 

Eliot •' " 1,500 00 

Metropolitan " New Y.n-k, 5,000 00 

First " Chioopee,. 2,400 <"> 

First •• Nnampton 3,400 00 1,980 00 

Total $552,245 00 $579,8( |579 t 865 00 






Loans on Collateral. 



Bigelow Mannf . Co., 

Glasgow " 

Springfield Gaslight Co., 
Union Paper Mannf. Co. 



Pynchon Nat. Bank. 

Union Paper Manuf . Co. . 
"Worthy " " 
iEtna Fire Insurance Co., 
N.T., N. H. &Hd. R. R.. 
Worcester Gaslight Co.,. 
Pynchon National Bank, 
John Hancock " 
Lancaster 4 ' 
U. S. 5-20 Bonds, , 



Chapin Bank. & Trust Co., 
N. Y., N. H. & Hd. K. R. 

Riverside Paper Co., 

Council B. & St. Jo. R. R. 
St. Jo. & Council B. R. R. 
N. Y., N. H. & Hd. R. R. 

Massasoit Paper Co 

N. Y., N. H. <fc Hd. R. R. 

Pettis County R. R 

Cocheco Nat. Bank, N. H. 
Dnion Paper Mannf. Co., 

Missouri Valley R. R... . 
Loans on Policies 



Par Value. 

$1,000 00 

700 00 

1,900 00 

1,500 00 

15,000 00 

2,500 00 

2,000 00 

5,000 00 

2,000 00 

1,400 00 

3,000 00 

1,300 00 

500 00 

800 00 

5.000 00 

6,000 00 

2,500 00 

4,000 00 

10,000 00 

8,000 00 

5,000 00 

3.000 00 

15,000 00 

500 00 

1,000 00 

10,000 00 

45, :>(>() 00 

15.000 00 

07. 000 00 



Market Value. 
$600 00 

1,22£ 

2,850 00 

2,100 00 

21,000 00 

4.125 00 

10 00 \ 
5,000 00) 
3.800 00 
1,862 00 
3,900 Ool 
2,145 00 | 



G50 00 



880 00J 
5,900 00 
7,080 00 
3,125 00 
5,320 00 
15,000 00 
7,200 00) 
4.500 00) 
5,187 00 
21.000 00 
665 oo 
1,000 00 
12,000 00 
68,700 00 
21,000 00) 
56,950 00* 



.A nit. Loaned. 
$500 00 

500 00 

L,90 

1,500 no 

10,000 00 

2,800 00 

5,000 00 

1,500 00 
1,300 00 

6,500 00 

5,000 00 
6,850 00 
2,000 00 
5,000 00 
15,000 00 

10,000 00 

3,000 00 

11.000 00 

500 00 

924 00 

10,000 oo 

40,000 00 

66,500 00 

8,516 25 



Total $237,000 00 $282,564 00 $210,790 35 

Premium note? and loans on policies now in force 

Cash in office of Company $58,312 12 

Cash deposited in banks and trust companies 86.931 DO 

Gash in hands of agents due the company 22,885 41 



$210,790 35 
147 80 



Total amount of cash items. 



L13,079 19 



COMPANIES OK OTHER STATES. 93 

Interest accrued on cash loans and on bonds owned, .$125,536 03 
Interest accrued on premium loans and notes, 84,058 91 

Total accrued interest. $159,594 94 

Net outstanding and deferred premiums on policies in force,. 201,438 92 

Loans on personal security, 5,(J0G 33 

Total admitted Assets, , $5,555,052 56 

Items not admitted as available Assets : 
Present market value of furniture, safes, and fixtures, .$10,884 61 



II. LIABILITIES. 

Death losses due and unpaid, $1,000 00 

Claims for death losses and matured endowments, in 

process of adjustment, or adjusted and not due,.. 112,400 00 
For death losses and other policy claims resisted, 19,500 00 

Total policy claims $132,900 00 

Present value of all outstanding policies and addi- 
tions thereto, in force December 31, 1874, compu- 
ted by the Connecticut Insurance Department, ac- 
cording to the Actuaries or Combined Experience 
Table of Mortality, with 4 per cent, interest, $4,915,850 00 

Deduct net value of risks re-insured in other sol- 
vent companies, ... 16,517 00 

Net re-insurance reserve, $4,899,333 00 

Unpaid dividends of surplus, or other description of profits due 

policyholders, 20,680 88 

Liabilities as to policyholders...... s .. . $5,052,913 88 

Surplus as regards policyholders, .......»; 502,138 68 

Total Liabilities * ; $5,555,052 56 



III. INCOME DURING THE YEAR. 

Cash received for new and renewal premiums, ....$941,269 67 

Cash premiums from other companies, 5.467 09 

Total cash premium income* $946,736 76 

For interest upon cash loans, $218,975 81 

For interest upon bonds owned and dividends on 

storks, 50,544 84 

For interest upon premium notes or loans 48,712 15 

For interest upon other debts due the company, 14,475 51 

Rent received for use of Company's property, or un- 
der sub-lease, 2,510 00 

Discount on claims paid in advance, 831 95 

Total interest, dividend and rent income, 336,050 26 

Total cash income, .<. $1,282,787 02 



'.'1 LIFE INSURANCK 

\ • ia or other obligations taken for new and renewal 
premiums $258,698 

Notts or other obligations r< om companies 
For assuming or re-insnring their risks 1,748 55 

Total note income 260,842 ~>\ 

Total income $1,543,12 

IV. EXPENDITURES DURING THE YEAR. 

Paid for the company's own losses and policy claims. 

and additions thereto, 19 79 

Paid on account Of policies lapsed, surrendered or 

purchased 69,288 21 

Paid for dividends to policyholders, 93,941 <>7 

Total cash paid to policyholders. $463,199 07 

Commissions to agents $70,470 31 

Salaries and traveling expenses of managers of agen- 
cies, and general, special or local agents 60,053 66 

Medical examiners' fees 5,291 00 

Salaries and other compensation of officers and 

employes, 40,648 48 

Total pay account, 17''.. 463 45 

Premiums toother companies for policies re-insured, . 82.420 29 

Taxes, 10.779 29 

Rents 10,513 74 

Furniture, safes, fixtures for home or agency offices.. 4,436 72 
Paid on an}' account not itemized above, viz ; Print- 
ing and advertising, postage, legal expenses, sup- 
plies. $24,005 52 : miscellaneous, $1,000 00 ; total, 25,005 52 

Total miscellaneous expenditures. 53.161 56 

Total cash expenditures $692,82408 

Notes and other premium obligations used in pay- 
ment of losses and claims $14,723 09 

Used in purchase of surrendered policies 21.925 60 

Used in payment of dividends to policyholders, 136,869 57 

Voided by lapse of policies, 82.852 31 

Total premium loan disbursements, 256,370 57 

Total expenditures $949,194 65 



V. PREMIUM NOTE A.OOOUNT. 

Premium notes and other premium obligations at 

beginning of the year $987,470 38 

red during the year 260,342 54 

Total, $1,247,812 92 



COM PAN IKS OF OTHER STATES. 95 

Deductions during the year as follows : Notes and 

other premium obligations used as above Btated,$256,370 57 
Redeemed by maker in cash, 2.991 55 

Total 259,365 12 

Balance note assets at end of the year, $988,447 80 

VI. EXHIBIT OF POLICIES. 

Policies in force at the commencement of the year : 

Number. Amount. 

Whole life policies, 9,381) $22,890,177 00 

Endowment policies 2.920 5, 472,007 00 

Joint-lives and survivorships 225 514,695 00 

Short term and irregular policies, 1,837 3,759,900 00 

New policies issued during the year: 

Whole life policies, 1,310 4,246,400 00 

Endowment policies, 358 604, 7G5 00 

Joint lives and survivorships, 35 62.000 00 

Old policies revived during the year: 
Whole life policies, G 16,000 00 

Old policies increased in amount : 

Whole life policies, 1,000 00 

Short term and irregular policies, 1,000 00 

Total number and amount, 10.030 $37,568,004 00 

Deduct policies decreased and ceased to be in force, 1,539 3,803,260 00 

Total policies in force at the end of the year, 14,491 $33,764,744 00 

Policies in force at the end of the year, including additions, classified : 

Number. Amount. 

Whole life policies. 9.418 $23,820,512 00 

Endowment policies. 2,863 5,185,387 00 

Joint-lives and survivorships, 195 455,345 00 

Short term and irregular policies, 2,015 4,303,500 00 

Total policies in force at the end of the year, 14,491 $33,704,744 00 

Number and amount of policies which have ceased to be in force during the year. 

Number. Amount. 

Terminated by death, 138 $345,045 CO 

By surrender, 203 490,745 00 

By lapse, 969 2,801,500 00 

By change and old policies decreased, 102.170 00 

Not taken, 229 563,500 00 

Totals, 1.539 $3,803,260 00 



96 LIFE INSURANCE 

VI 1. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount 

Policies in force in Connecticut 417 $781,025 00 

Policies issued 80 37,830 00 

Premiums collected during the year 39,765 L2 

i paid, 9,660 00 



METROPOLITAN JMFK INSURANCE COMPANY. 

New Ycbb City. 

Commenced Business 1866. 

Joseph F. Enapp, President. Robert A. Granniss. Secretary. 

Attorney in Connecticut. J. N. Bacon, New Haven. 



I. CAPITAL. 
Capital actually paid up in cash $200,000 00 

II. ASSETS. 
Loans secured by deeds of trust or mortgages upon real estate,... $508,750 00 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. Stocks : — 

U. S. bonds, $153,000 00 $180,540 00 

Municipal Bonds: — 

Brooklyn City, 42,000 00 44,100 00 

Kings County 25,000 00 26,000 00 

City of Rochester, 38,000 00 39,520 00 

New York City, 25,000 00 25,500 00 

Peekskill Water, 25,000 00 25,600 00 

Total, $308,000 00 $341,160 00 $341,160 00 

Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Kings County War bonds.... $1,000 °° |1,020 00 $900 00 

Boulevard, Brooklyn 10,000 00 10.400 00 9,000 00 

Ocean Parkway. N. Y L5,000 00 16,600 00 14,500 00 

Buahwick Avenue Improy. 7,00< 7,280 00 6,500 00 

Brooklyn Public Park 40,000 00 42,000 00 40,224 07 

Total $73.000 00 $76.300 00 $71.12107 $71.124 07 



COMPANIES OF OTHER STATES. i>7 

Premium notes and loans in any form, on interest, taken for 

policies now in force, $401,177 13 

Cash in office of Company $12, 720 32 

Cash deposited in bank and trust companies, 21,02:; .;! 

Total amount of cash items 33,743 66 

Interest accrued on cash loans and on bonds owned, .. $0,300 T>0 
Interest accrued upon premium loans and notes, 27,094 00 



Total accrued interest and rents, 33, 394 50 

Cash in hands of agents due the company, 38,71)0 57 

Net outstanding and deferred premiums on policies in force, 428,972 99 



Total admitted assets, $1,912,112 92 



Items not admitted as available Assets : 

Invested in commuting commissions, $35,156 36 

Advanced to agents, to be repaid out of future salaries 

or commissions, 30,387 45 

Agency supplies, printed matter and stationery on hand, 4,000 00 
Present market value of furniture, safes and fixtures, 29,705 50 



Total unadmitted Items $105,309 37 

III. LIABILITIES. 

Total losses and policy claims, $35,144 00 

Present value of all outstanding policies and additions 
thereto in force December 31, 1874, computed by the 
Connecticut Insurance Department, according to the 
Actuaries or Combined Experience Table of Mortal- 
ity, with 4 percent, interest, $1,084,103 00 

Deduct net value of risks re-insured in other solvent 

companies, 9 73 00 



Net re-insurance reserve, 1, 083. 190 00 

Unpaid dividends of surplus, or other description of 

profits due policyholders, 5,950 00 

Due on account of salaries, rents and office expenses, 2,900 00 

Reserve on policies liable to be restored and premiums paid in 

advance, *. 30.007 70 

Liabilities as to policyholders, $1,703,791 70 

Surplus as regards policyholders, 148,321 16 

Total liabilities, $1,912,112 92 



IV. INCOME DUEING THE YEAR. 

Total cash premium income $1,004,297 35 

Total interest, dividend and rent income, 96, 775 09 



Total cash income, $1,101,072 44 

Total note income, 138,180 07 

Total income $1,239,253 11 

13 



LIFK [N8UBAKI 
v. EXPENDITURES DUBING THE YEAR. 

- and policy claims 

and a Iditiona thereto : i>7 

i. surrendered or 

i 164,883 {'* 

policyholders 7'.M'i:5 00 

Total cash paid t(» policyholders $474,678 57 

ts $1 12,760 17 

man igera of agen- 

and general, special or Local agents 19,444 10 

il examiners' fees : 

Salaries and other compensation of officers and em- 

40.916 71 

account 199,< 

Premiums to other companies for policies re-insured, t-:;. «;i 2 4.'» 
and revenue stamps, 11.974 

i3,6a 

Legal fee-. and department searches, adver- 
ting, station* ry and printing, express, exchange 
and miscellaneous expenses, 43,846 '26 

Total miscellaneous expenditures. 

Total cash expenditures. $746,828 02 

Xotes and other premium obligations used in payment 

of losses and claims $7,517 

Used in purchase of surrendered policies, 4!. '.'4:'. 61 

Used in payment of dividends to policyholders 4,416 !'<"> 

Total premium loan disbursements, -77 47 

Total expenditures $800,706 49 

VI. PREMIUM NOTE ACCOUNT. 

Premium notes and other premium obligations at be- 
ginning of the year $376,873 '.'.'5 

red during the year 138,180 G7 

,1 $515,054 60 

Notes and other premium ol 1 as above 

stated 53,877 47 

Balance note assets at cud of the year, $461,177 IS 

VII. EXHIBIT OF POLICIES. 

Poll ■" '"•( lutitt of tfu year : 

Number. Amount. 

Whole life policies 15,842 55 00 

Endowment policies 2,722 2.473,886 00 

Joint-lives and survivorship-; 34 34,5' 



COMPANIES OF OTIIK!! STATES, 99 

New policies issued during the year : 

Whole life policies 7,043 $11,213,656 00 

Endowment policies. 218 162,558 00 

Joint-lives and survivorships, 4 1,714 00 

Old policies revived during the year : 

Whole life policies 192 273,000 00 

Endowment policies 221 216,607 00 

Joint-lives and survivorships, 2 3,000 00 

Total number and amount, 26,878 $38,254,300 00 

Deduct policies decreased and ceased to be in force, 7,906 10,869, 155 00 

Total policies in force at the end of the year, 18,972 $27,385,145 00 

Policies in force at the end of the year, including additions, classified: 

Number. Amount. 

Whole life policies, 16,742 $25,499,081 00 

Endowment policies, 2,203 1,857,297 00 

Joint-lives and survivorships, 27 28.767 00 

Total policies in force at the end of the year, 18,972 $27,385,145 00 

Number and amount of policies which have ceased to be in force during the year: 

\ Number. Amount 

Terminated by death, 189 $238,939 00 

By surrender, 551 730,000 00 

By lapse, 2,955 3,890,337 00 

By change and old policies decreased 2,740 4,007,246 00 

Nottaken, 1,471 2,002,633 00 

Total. 7,906 $10,869,155 00 

VIII. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount. 

Policies in force in Connecticut, 865 $2,015,642 00 

Policies issued during the year, 326 710,896 00 

Premiums collected during the year, 40,376 85 

Losses paid, 7,000 00 



100 LIFK [NSURANCE 



MUTUAL LIFE [NSURANCE COMPANY. 

New York City. 
Connnenced Business April, l - ! j 
ucs s. Winston, President. John 31. Stuart, Secretary. 

Attorney in Connecticut, J. W. Nichols. New Haven. 



I. ASSETS. 

Real estate owned, after deducting all liens and encumbrances : 

Company's office in New York, f 1,000, 000 00 

Propertyin Philadelphia, B25,865 69 

' ; Boston 533,610 36 

Market valne of above over cost, 250,000 00 

Property in N. Y., and New Jersey, 157,797 04 

$2,767,27 

Loans secured by deeds of trust or mortgages upon real estate,... 56,916 • I 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. and State Stocks : — 

U. S. registered bonds, $4,2 1,550 00"1 

N. Y. State bounty, 500,000 00 | 

N . Y. City and County 2,505,000 00 } 75 38 

Town of Yonkers. N. Y.. 20,000 00 | 

Town of Cherry Valley, 50,000 0()J 



Total, 17,275,550 00 $8,023,375 38 — 

Cash in office and bank, 2,425,882 34 

Interest accrued on cash loans and on bonds owned 1,085,982 15 

Cash in hand of agents due, 12,51 

Net outstanding and deferred premiums on policies in force, 911,9 



Total admitted Assets $72,142,991 

II. LIABILITIES. 
Claims for death losses and matured endowments, in 

process of adjustment, or adjusted and not due. ...>"! L2.306 7!) 
Death losses and other policy claims resisted. 207,500 

Total policy claims 

Present value of all outstanding policies and additions thereto in 
force December 31, L874, computed by the Connecticut Insur- 
ance Department, according to the Actuaries or Combined 
Experience Table of Mortality, with 1 percent, interest, 67,9S 



I !< >.M i -AN I feS OF uTlfEli STATES. 1< ' 1 

Post-mortem dividends, $28,830 17 

Premiums paid in advance 24,191 22 

Amount of accumulations all forms of Tontine Policies, 41, .",48 01 

Liabilities as to policyholders. , $68,669,713 40 

Surplus as regards policyholders, 3, 173,282 20 

Total Liabilities. $72,142,995 69 

III. INCOME DURING THE YEAR. 

Cash received for new and renewal premiums $15,633,559 10 

Received for sale of annuities, 17,519 25 

Total cash premium income, $15,651,078 35 

Interest upon cash loans, $3,655,935 04 

Interest upon bonds owned and dividends on st'ks,. 399,253 25 

Interest upon other debts due the company, 82,021 04 

Rent received for use of Company's property or un- 
der sub-lease, 46,500 00 

Premium on sales of gold, 22,365 G2 

Total interest, dividend and rent income, 4,200074 95 

Total income, (all cash). $19,857,153 30 

IV. EXPENDITURES DURING THE YEAR. 
Paid for Company's own losses and policy claims, 

and additions thereto, $3,467,432 13 

Paid to annuitants 31,589 57 

Paid on account of policies lapsed, surrendered or 

purchased, 4,978,276 06 

Dividends to policyholders 2,992,410 77 

Total cash paid to policyholders, .$11,469,708 53 

Commissions to agents $451,182 90 

Medical examiners' fees, 50,054 69 

Salaries and other compensation of officers and em- 
ployes, 300,138 75 

Total pay account, 801,376 34 

Taxes, $134,112 00 

Commuting commissions, 349,317 06 

Advertising, $24,972 29; exchange and postage, print- 
ing, and stationerv, law and sundries $283,413.- 
15; total, 308,385 44 

Total miscellaneous expenditures, 791,814 50 

Total expenditures, (all cash) $13,062,899 37 

V. EXHD3IT OF POLICIES. 

Policies in force at the commencement of the year : 

Number. Amount. 

Whole life policies, 66.417 $213,234,291 00 

Endowment policies, 19,843 52,130,346 00 

Joint-lives and survivorships 156 192. 030 00 



LIFK l.\si i:.\ \«'K 

X, ,r Policu t ring %hi //< or : 

Wholelife polioiea '.'.::7! 129,411,386 00 

iwmenl policies 2,126 4,973,425 00 

Joint-Hves and survivorships 11 L.5,900 00 

■in;/ t?U //'• 

Number. Amount 

Whole life policies 970 It 

Endowmenl policies 272 622,780 00 

Joint-lives and survivorships 2 2,000 00 

Old policies increased in amount: 

Whole life policies, 1 10,000 00 

Endownnient policies, 1 1,000 00 

Total additions in fora : 

Whole life policies, 20,842,567 00 

Endowment policies 3,384,633 00 

Joint-lives and survivorships 19,993 00 

Total number and amount, 99,172 $327,930,766 00 

Deduct policies decreased and ceased to be in force, 8,258 26,052,040 00 

Total policies in force at the end of the year, 90,914 $301,878,726 00 

Policies in force at the end of the year, including additions, classified: 

Number. Amount. 

Whole life policies, 70,905 $247,306,149 00 

Endowment policies 19,864 54,389,364 00 

Joint-lives and survivorships, 145 L84,213 00 

Total policies in force at the end of the year, 90,914 $301,878,726 00 

Number and amount of Policies which have ceased to be in force during the year : 

Number. Amouiit. 

Terminated by death 934 $2,997,290 00 

By surrender, 3,057 9,47c. 700 00 

By lapse, 3,062 9,631,200 00 

By change and old policies decreased, 2 230,850 00 

Not taken 1,208 3,816,000 00 

Totals, 8, 052,040 00 



VI. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount. 

Policies in force in Connecticut, 3,820 $9,781,047 00 

Policies issued 369 L,078,846 00 

Premiums collected during the year, 477.172 62 

Losses paid 111,914 00 



COMPANIES OF OTHER STATES. 10$ 



MUTUAL BENEFIT LIFE INSURANCE COMPANY. 

Newark, N. J. 

Commenced Business 1845. 

Lewis 0. Groyer, President. Edward A. Stbong, Secretary. 

Attorney in Connecticut, A. W. Day, Hartford 



I. ASSETS. 

Keal estate owned after deducting all liens and encumbrances : 

Company's office, Newark $170,401 98 

Loans secured by deeds of trust or mortgages upon real .estate, .. 12,415.657 75 

Stocks and Bonds oioned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

U. S. bonds, $1,405,500 00 $1,655,302 50 

State of Massachusetts Annuity, . 800 00 800 00 

Municipal Bonds : — 

Brooklyn City, 65,000 00 05,000 00 

Albany ' ; 25,000 00 25,000 00 

Elizabeth " 282,000 00 282,000 00 

Kahway. " 176,500 00 176.500 00 

Utica, " N. Y 14r,, 000 00 145.000 00 

Springfield. li 111 50,000 00 50,000 00 

Auburn " N. J 150,000 00 150,000 00 

Jersey " 50,000 00 50.000 00 

Cleveland "Ohio, 621,000 00 621.000 00 

Dayton, " 130.000 00 130.000 00 

N.Brunswick" N.J 50,000 00 50,000 00 

East Orange, " 228,512 58 228,512 58 

Erie, "Pa., 152,000 00 152.000 00 

Toledo. '• Ohio 100,000 00 100.000 00 

South Bend, " Ind.. 1 61,500 00 65,600 00 

Newark War bounty 400, 000 00 400. 000 00 

" Oldbonds, 28,000 00 28,000 00 

" Improvement, 240,000 00 240,000 00 

" Aqueduct, 2.454,000 00 2,454.000 00 

" School bonds, 100,000 00 100,000 00 

Union Co., N. J., 183,000 00 183.000 00 

Essex, " 1,247,500 00 1,247,500 00 



104 MFK [NSURANl 

» 

Or,: -1 00 I 00 

West Orang* i L 23, 000 123,000 00 

: — 

la 994,500 00 994,500 00 

Total ■ '." 2.812 58 --•.; 9,756,715 08 

Premium notes and loans, in any form, on intei q for 

premiums on polioi force, 6,967,097 11 

Cash in offii apauy ! 77 

Oaah deposited in banks and trust oompanies 480,734 30 

Total amount of cash items, 501,419 07 

[nti rest acerued on cash loans and on bonds owned,. $435,478 28 

Interest accrued on premium loans and notes, 205,000 00 

Total accrued interest, 640,47& 23 

Cash in hands of agents due the company, 104,450 92 

Net unpaid premiums on policies in force, 17.;.L'i;t; 7:5 

Total admitted Assets, • :•; 87 

II. LIABILITIES. 

Claims for death losses and matured endowments, in 

process of adjustment, or adjusted and not due.... $506,427 00 
Claims for death losses and other policy claims resisted. 59,000 00 

Total policy claims, $565,427 00 

Present value of all outstanding policies and additions thereto 
in force December 31st, 1874, computed by the Connecticut 
Insurance Department, according to the Actuaries or Combined 

Experience Table of Mortality, with 4 per cent, interest 26,018,872 00 

Unpaid dividends of surplus, or other description of profits 

due policyholders, 278, I 

Liabilities as to policyholders, $26,862,786 32 

Surplus as regards policyholders, 3,866,790 55 

Total liabilities, $30,729,576 87 

III. INCOME DURING THE YEAR. 

Cash received for new and renewal premiums, $4,272,912 10 

Received for sale of annuities, 558 7'2 

Received for all other premiums, 6,880 05 

Total cash premium income, $4,280,350 87 

Interest upon cash loans, and for interest upon 

bonds owned and dividends on stocks $1,411,806 i:» 

| t upon premium notes or loans 412,710 11 

Rent received for use of company's property, or un- 
der Bub-li ase 3,237 50 

Total interest, dividend and rent income, 1,827,753 80 

Total cash income $6,108,104 67 

or other obligations taken for new and renewal premiums, • ;:;•_'. •'.."• 7 30 

Total income $6,740,761 07 



COMPANIES OF OTHER STATES. 105 

IV. EXPENDITURES DURING THE YEAR. 

Cash paid for company's Losses andpolicy claims and 

additions thereto, $1,831,790 74 

Paid to annuitants, , 1,5G8 44 

Paid on account of policies lapsed, surrendered or 

purchased, 413,056 70 

Dividends to policyholders, 1,250,606 28 

Total cash paid to policyholders, $3,497,022 16 

Commissions to agents, $379,113 73 

Medical examiners' fees, 24.064 73 

Salaries and other compensation of officers and em- 
ployes, 70,302 43 

Total pay account, 473,480 89 

Taxes and revenue stamps, $74,299 12 

Advertising, printing, postage, exchange, etc 98,566 87 

Total miscellaneous expenditures, 172,865 99 

Total cash expenditures $4,143,309 04 

Notes and other premium obligations used in pay- 
ment of losses and claims $143,048 77 

Used in purchase of surrendered policies, 187,682 07 

Used in payment of dividends to polic}^holders, 338,794 70 

Total premium loan disbursement, 669,525 54 

Total expenditure, $4,812,894 58 



V. PREMIUM NOTE ACCOUNT. 

Premium notes and other premium obligations at be- 
ginning of the year, $7,016,385 97 

Received during the year, 632,657 30 

Total $7,649,043 27 

Deduction during the year as follows ; Notes and 

other premium obligations used as above stated, $669,525 54 
Redemed by maker in cash, 12,420 62 

Total, 681,946 16 

Balance note assets at end of the year $6,967,097 11 



VI. EXHIBIT OF POLICIES 

Policies in force at the commencement of the year : 

Number. Amount. 

Whole life policies, 36,796 $121,959,204 00 

Endowment policies, 3,101 9,364,334 00 

Short term and irregular policies, 40 144.500 00 

14 



L06 LIFE [NSURANOH 

.V, ie policiei issued during tin year: 

Number. Amount. 

Whole life policies, 8,696 $10,021,910 00 

Endowment polioiee .'527 844,465 00 

Short term and irregular policies, K'> 61,600 00 

Old policies revived during the year : 

Whole life policies, 59 201,750 00 

Endowment policies, 4 10,000 00 

Old policies increased in amount : 

Whole life policies, 2 22,800 00 

Endowment policies, L6,278 00 

Total number and amount, 44,041 $142,646,841 00 

I tednct policies decreased and ceased to be in force, 2,739 10,708,414 oo 

Total policies in force at the end of the year, 41,302 $13r,938,427 oo 

Policies in force at the end of the year, including additions, classified. 

Number. Amount. 

Whole life policies, 38,0G8 $122,741,493 00 

Endowment policies, 3.194 9,044,334 00 

Short term and irregular policies, 40 152,600 oo 

Total policies in force at the end of the year, 41,302 $131,938,427 oo 

Number and amount of policies which have ceased to be in force during the year: 

Number. Amount- 
Terminated by death 521 $1,913,334 00 

By expiry, 5 19,000 no 

By surrender, 321 1,07(5,122 00 

By lapse, 1,105 3,229,225 00 

By change and old policies decreased, 470 3,565,033 oo 

Not taken 317 905,700 00 

Totals 2.73!) $10,708,414 00 



VII. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount. 

Policies in force in Connecticut, 904 $2,892.800 00 

Issued during the year, 88 2<h;.::7."> oo 

Premiums collected during the year, 51,517 51 



COMPANIES OF OTHER STATES. 



107 



NEW YORK LIFE INSURANCE COMPANY. 

New York City. 
Commenced Business 1848 

Mobbis Franklin, President. William H. Beers, Actuary, 

Attorney in Connecticut, John Tweedy, Hartford. 



I. ASSETS. 

Real estate owned, after deducting all liens and encumbrances : 

Company's own building, N. Y., $1,768,174 14 

Loans secured by deeds of trust or mortgages upon real estate, . 16,828,955 14 



Stocks and Bonds owned by the Company. 

Par Value, Market Value 

U. S. and State Stocks : — 

V. S. bonds $1,275,000 00 $1,477,865 00 

Virginia State bonds, 10, 010 00 5, 005 00 

Tennessee 6's 20,000 00 16,000 00 

Georgia 6's, 3,500 00 2,975 00 

AlabamaS's, 48,000 00 25,440 00 

South Carolina bonds, 50,000 00 15,000 00 

Mississippi Warrants, 20,000 00 18,000 00 

Municipal Bonds : — 

Central Park loan, 25,000 00 25,000 00 

N. Y. City street opening, 543,500 00 570,675 00 

New York County, 40,000 00 42,000 00 

New York City revenue bonds, .. 200,000 00 200,000 00 

New York City consolidated, 637,500 00 669,375 00 

New York County bonds, 112,500 00 118,125 00 

Brooklyn City bonds, 117,000 00 120,510 00 

Yonkers Town bonds, 107,500 00 107,500 00 

Flushing, Water bonds, 80,000 00 78,400 00 

City of Richmond, 50,000 00 50,000 00 

Bank Stocks : — 

Merchants Bank, 14,000 00 16,520 00 

Bank of America, 7,700 00 11,319 00 

Bank of the Republic, 1,500 00 1,567 50 



L08 I-I IK INSURANCE 

Pai Valne. Market Value. 

Ami ok, $10,000 00 $11,400 

Metropolitan Bank 5, •;.::»<) 00 

B ULBOAD BompS : — 

N. Y. Oen. A Eadson River R. B l,000,( 00 00 1,100,000 00 

.Mi- - : — 

Delaware A BudsoD Canal stock,. 64,01 

Delaware A Hudson Canal bonds 40 -Hhjhmi 00 

Total $4,841,710 26 60 5,17 

Premium notes and Loans, on policies now in force 910,049 14 

Cash in office of Company, $34,257 41 

Cash deposited in bank 1,716,87 

Total cask items. 1,761,15 

Interest accrued on cash loans and bonds owned, $1 1 

Interest accrued on premium loans and notes, .".i ».:.{- ;;7 

Rents accrued 13,237 



T al accrued interest and rents 187,4 

Cash in hands of agents due the company. 29,11 

Net outstanding and deferred piemiums on policies in force, 630,734 •'.:; 

Total Assets, $27,278,58 

II. LIABILITIES. 

Matured endowments due and unpaid $2 » 00 

Claims for death losses, and matured endowments 

in process of adjustment, or adjusted and not due. 287,055 90 

Claims for death loss, and other policy claims resisted 83,700 00 



Total policy claims, £o70,'J73;> 'JO 

r value of all outstanding policies in force on 
the olst day of December, 1874, computed by the 
Connecticut Insurance Department, according to 
the Actuaries or Combined Experience Table of 

Mortality with 4 per cent, interest, $24,406,886 00 

Deduct net value of risks re-insured in other sol- 
vent companies. 186,239 00 



N I re-insurance reserve, 24.270,047 00 

Unpaid dividends of surplus, or other description of profits due 

policyholders 152,! 

> 

Liabilities as to policyholders 24,794,651 74 

Surplus as regards policyholders 2, l x 1,1 



Total liabilities $27,278,585 16 



III. CNCOME DURING THE YEAR. 

Cash received for new and renewal premiums $6, 132,, 601 <»<! 

annuities 77.' 



Total cash premium income $6,209,664 08 



i'AXIKS OF OTHEK STATES. 109 

Interest upon cash loans. $28 303 01 

Interest upon bonds owYied and dividends on stocks, 1,479,707 61 

Interest upon premium notes or loans. 63,660 

Rent received for use of company's property, or under 

snl ) -lease, 78.434 83 



Total interest, dividend and rent income 1,645,106 34 

Total cash income, $7,864,770 37 

Notes or obligations taken for new and renewal premiums 204,7:''" 7 1 

Total income , $8,059,561 11 



IV. EXPENDITURES DURING THE YEAR, 

Paid for Company's own losses and policy claims, 

and additions thereto, $1,470,232 13 

Paid to annuitants 32,75)3 98 

Paid on account of policies lapsed, surrendered or pur- 
chased, 1.471,181 23 

Paid for dividends to policyholders, 1,349,830 37 



Total cash paid to policyholders, $4,324,0&7 71 

Commissions to agents, §234,668 29 

Salaries and traveling expenses of managers of agen- 
cies, and general, special or local agents, 49.000 00. 

Medical examiners' fees, 47,8">5 89 

Salaries and other compensation of officers and em- 
ployes, 163,947 89 

Total pay account, 495,472 07 

Premiums to other companies for policies re-insured, 42,371 86 

Taxes and revenue stamps, 39,890 98 

Commuting commissions, 14,141 79 

Advertising, law, office and agency expenses, 193,365 36 



Total miscellaneous expenditures, 289, 769 99 



Total cash expenditures, $5,109,279 77 

Notes and other premium obligations used in pay- 
ment of losses and claims, $29,789 63 

Used in purchase of surrendered policies. 19,011 26 

Used in payment of dividends to policyholders, 136,799 79 

Voided by lapse of policies, 49,7S2 47 



Total premium loan disbursements, 23n - 



Total expenditures, $5,344,662 92 

V. PREMIUM NOTE ACCOUNT. 

Premium notes and other pi'emium obligations at be- 
ginning of the year $962,112 98 

Re reived during the year, 204. 790 74 

Total $1,166,903 72 



L10 LIFE INSURANCE 

Deduction daring the year, as follows: Notes and 

other premium obligations need as above stated. $28ti383 ifi 
Redeemed by maker in oaah 21,471 43 



Total 256,854 58 



Balanoe note assets at end of the year, $910,049 ll 



VI. EXHIBIT OF POLICIES. 

Policies in force at the commencement of the year : 

Number. Amount 

Whole life policies, 34,505 $102,826,093 00 

Endowment policies, , S,r,:vj 20,680,944 00 

Joint-lives and survivorships 7 39,160 00 

Short term and irregular policies, 109 126,190 00 



New 'policies issued during the year : 

Whole life policies, , 5,697 16,487,439 Oo 

Endowment policies, 1,441 3,150,053 00 

Joint-lives and survivorships, 3 0,4 75 00 

Short term and irregular policies, 30 14,000 00 

Old policies revived during the year : 

Whole life policies, 78 203,635 00 

Endowment policies, 5 14,085 00 



Old policies increased in amount : 

Whole life policies, 38,190 00 

Endowment policies t3,369 00 

Additions by dividends during the year : 

Whole life policies, $1,535,024 00 

Endowment policies, 317,119 00 



Total number and amount, 50,414 $145,4S1,77G 00 

Deduct policies decreased and ceased to be in force, 7,010 22,646,653 00 



Total policies in force at the end of the year, 43,398 $122,835,123 00 

Policies in Torce at the end of the year, including additions, classifinl : 

Number. Amount. 

Whole life policies 34,846 $103,128,945 00 

Endowmenl policies, 8,426 19,582,453 00 

Joint-lives and survivorships !> 42,635 00 

Shorl term and irregular polioies lis 81,090 00 

Total policies in force al the end of the year 13,38(8 $122,835,123 00 



COMPANIES OF OTHER STATES. Ill 

Number and amount of Policies which have ceased to be in force during the year: 

Number. Amount 

Terminated by death, 455 $1,411,690 00 

By expiry, 8 14, loo oO 

By surrender, 2.37!) 8,518,607 00 

By lapse, 3,270 9,155,73!) 00 

By change and old policies decreased, 774,968 00 

Not taken, 904 2,771.549 00 

Totals, 7,016 $22,646,653 00 

VII. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount. 

Policies in force during the year, 1,002 $2,099,270 00 

Policies issued during the year 70 108,040 00 

Premiums collected during the year, 00,877 71 

Losses paid during the year, 11), 650 00 



UNION MUTUAL LIFE INSURANCE COMPANY. 

Augusta, Me. 

Commenced Business 1848. 

Henry Crocker, President. Whiting II . Hollister, Secretary. 

Attorney in Connecticut, H. P. Barton, Hartford. 



I. ASSETS. 
Keal estate owned, after deducting all liens and encumbrances : 

Company's building in Boston, $350,000 00 

Loans secured by deeds of trust or mortgages upon real estate,... 4,875,024 38 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 
U. S. and State Stocks : — 

U. S. bonds, $102,200 00 $121,030 00 

State of Maine G's, 100,000 00 101,000 00 

Municipal Bonds : — 

Town of Newcastle, N. H., note 2,000 00 2,000 00 

Providence City, 12,000 00 11,200 00 

Total $210,200 00 $235,230 00 235.230 00 






112 

I':ir I • Joe. Amr. 

Third 

OoL Chi A [nd. Can. EL 11.... 3,000 00 I - 

St. Jo 

Det ' li. il.li. 16,00 > 12, 

B . 10,000 00 

Norwag 2,00 I 00 8,000 00 10 00 

line li. B 2,0 _. 00 

>n WatertownGasL.Co 8,500 00 10,( 
i on policies in force 
'i. policies I to 

and in hands of the Com- 
pany as collateral 32,261 16 32.261 16 32,261 1<; 



Total $85,861 L6 $95,716 - - 587 no 

Premium notes and loans on policies now in force. 2,313 4< 

in offiee of Company 

rited in Banks 140,101 72 

Lue the Company 16,933 28 



Total amount of cash item? 190.118 03 

Interest accrued on cash loans, and on bonds owned,. $289, 241 00 
Interest accrued on premium loans and notes 80,971 



Total accrued interest 370,212 00 

;tstanding and deferred premiums on policies in force 405,393 45 

Loans on personal security 4.1'. 



Total adniitt- $8,817,869 34 

Item* not admitted a» available Assets 
Advanced to officers or agents, to be repaid out of fu- 
ture salaries or commissions, $35,585 76 

II. LIABILITIES. 

Matured endownnients due and unpaid, 8 300 00 

Death losses, and matured endowments, in process 

of adjustment, or adjusted and not due, 110,820 00 



Total policy claims $111,820 00 

Present value of all outstanding policies and addi- 
tions thereto, in force December 31st, 1874, com- 
puted by the Connecticut Insurance Department, 
according to the Actuaries or Combined Experience 

le of Mortality, with 4 per cent, interest - 

t net value of risks re-insured in other sol- 
vent companies 21,510 00 

nee reserve 7,497,910 00 



Liabilities as to policyholders '• 

Borplns Is policyholders 1,208, 

Total Liabilities $i 



COM TAX IKS OF OTHEB STATES. 113 

III. INCOME DURING THE YE Alt. 

Cash premium income $1,395,160 06 

Interest upon cash loans, $359,350 '■):> 

Interest upon bonds owned and dividends on stocks, . 12,457 11 

Interest upon premium notes or loans 1-45,648 90 

Interest upon other debts due the company, 15,849 57 

Bent received for use of Company's, property, or un- 
der sub-lease, 24,688 14 

Discount on claims paid in advance, 544 69 

Total interest, dividend and rent income, ,538 74 

Total cash income i,953,698 80 

Total note income. 455,000 94 

Total income, $2,408,699 74 

IV. EXPENDITURES DURING THE YEAR. 
Paid for the Company's own losses and policy claims, 

and additions thereto, $428,116 90 

Paid on account of policies lapsed, surrendered or 

purchased, 181,002 21 

Paid for dividends to policyholders, 80,166 62 

Total cash paid to policyholders, $698,285 73 

Commissions to agents $151,189 06 

Salaries and traveling expenses of managers of agen- 
cies, and general, special or local agents, 102,317 04 

Medical examiners' fees, 24,513 58 

Salaries and other compensation of officers and em- 
ployes, 52.255 79 

Total pay account. 330,335 47 

Taxes and revenue stamps, $19,607 25 

Rents, 26,836 98 

Commuting commissions, 23,161 54 

Advanced to officers and agents to be repaid out of 

future salaries or commissions. 4,802 40 

Furniture, safes and fixtures for home or agency offices 7,800 82 
Postage, telegraph and express, $12,837.41, printing 
and advertising, $31,498.86 ; supplies, stationery 
and incidentals, $1,986.04 ; law expenses, $7,897.19 54,219 50 

Total miscellaneous expenditures, 136, 428 49 

Total cash expenditures, $1,165,049 69 

Notes and other premium obligations used in pay- 
ment of losses and claims, $38,514 10 

Used in purchase of surrendered policies, 155, 898 14 

Used in payment of dividends to policyholders... 129,321 00 

Voided by lapse of policies, 97.263 85 

Total premium loan disbursements, 420.997 09 

Total expenditures, $1,586,046 78 

15 



Ill LIFE LNSURANCK 

V. 

Premi . and other premium obligations at 

:r, - 

luring the year . v .">l\41 1 29 

,\ 16 55 

Deductions during t] 

other premium abore stated 
Bedeemed by makei 

:. 

the end of the year, - 



.iflBIT OF FOLIC!' 

'?■ : 
Xcmlu r. An. 

Whole life policies 11.414 - 

Endowment policies 11,879,7 

Joint-lives and survivorship'. 47:: 1,007,900 00 

Short term and irregular policies 

the year: 

Whole life policies 1.1 ' 

Eudowment policies 1,050 1." 

Joint-lives and survivorships. 

Short term and irregular policies 1" 



Old . during the year : 

Whole life policies, 21 

Endowment policies 11 21,6 

Old policies inrrr-'- . 

Whole life policies, 10,64 

Endowment policies <»20 00 

Total number and amount 24,940 57,422,298 

Deduct policies decreased and ceased to be in force 3,182 

Total policies in force at the end of the year 21,75£ 

Policies in f nd of the year, including add 

Amount. 

Whole life policies 14,100 

Endowment policies 7,082 11,510,736 00 

Joint-lives and survivorships 557 1.1SG.800 00 

Short term and irregular polici >< 10 

Total policies in force at the end of the year 21,758 | 



COMPANIES OF OTHER STATES. 116 
Numbt r and amount of policies which have censed to be in force during the yt or : 

Number. Amount. 

Terminated by death, 190 $466,631 00 

By expiry ^ 19,000 00 

By surrender, 706 1,556,716 00 

By lapse, 1,422 8,708,718 00 

By change and old policies decreased, 467,950 00 

Not taken, 858 1,981,350 00 

Totals 3,182 $8,203,365 00 

VII. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount. 

Policies in force in Connecticut, 136 $315,000 00 

Issued during the year, 31 92,500 00 

Premiums collected during the year, 3, 685 70 

Losses paid during the year 5,000 00 



UNITED STATES LIFE INSURANCE COMPANY. 

New York City. 

Commenced Business, March, 1850. 

John E. De Witt, President. Chas. E. Peahe, Secretary. 

Attorney in Connecticut. J. B. Powell, Hartford. 



I, CAPITAL. 

Capital actually paid up in cash,...., $250,000 00 

II. ASSETS. 

Real estate owned, after deducting all liens and encumbrances : 

Property in Indiana, $7,119 50 

Loans secured by deeds of trust or mortgages upon real estate,... 2,874,407 19 

Stocks and Bonds owned by the Company. 

Par Value. Market Value 
U. S. Stocks : — 

U. S. Bonds, $122,350 00 $123,339 00 

Municipal Bonds : — 

N. Y. City bonds, 12,000 00 12,120 00 

Improvement, , 15,000 00 15.975 00 

Accumulated Debt,.... 110,000 00 117,150 00 



L 16 



LIFE INS1 i:.\ 



Par Valne. 
N. V. County Accumulated Debt,. $300, 

Soldiers Sub. Ki 1 30,000 00 

Buffalo City 25,000 00 

1 lounty 25,000 00 

q 172,000 00 

Brooklyn Oity P 10,000 00 



Total - U,350 00 



: Value. 

$319,5 

30,150 00 

>50 00 

50 00 

165,120 00 

12,000 00 

54 00 



875,854 00 



'feral. 



Par Value, 

('. S. 5-20'a $4,000 00 

U. B. 5-20'a 1,000 00 

U. S. bonds. 10,000 00 

DimeSav. Bk. Chicago,.. 3.000 00 

U. S. Life Ins. Company, 3,750 00 

U. S. Trust Co 5,000 00 

N. Y. State Trust Co...... 5,000 00 

Assignment of mortgage 

on real estate 100.000 00 

Policy Atlas Mutual Life, 

St. Louis. 5,000 00 

U. 8. Life Ins. Co, 5,000 00 



Market 

10 00 

1,210 00 

12,212 .'»n 

3,000 00 

6,000 00) 

13,250 00 " 

5,000 00 ' 

100,000 00 

490 00 

8,000 00 



Amt. Loaned. 
$4,000 00 

COM 

10.000 00 
I 00 

18.500 00 



30,000 00 

200 00 
5,000 00 



Total, $141,750 00 $154,002 50 $69,800 00 

Premium notes and loans, on policies now in force. 

Cash in office of Company, 6371 00 

Cash deposited in Banks and trust companies, 189,258 02 

Cash in hands of agents due the company, 10,Q90 '.'4 

Total amount of cash items, 

Interest accrued on cash loans and on bonds owned, ....$37,018 00 
Interest accrued on premium loans and notes 6,965 12 



Total accrued interest, 

Loans on personal security only, 

Net outstanding and deferred premiums on policies in force, 



300 00 
199,208 42 



199,719 96 



44,S83 12 

10,327 48 
141,317 01 



Total admitted assets, $4,422,686 08 



III. LIABILITIES. 

Total policy claims, $105,120 00 

Present value of all outstanding policies and addi- 
t hereto in force December Slat, 1874, compu- 
ted by the Connecticut Insurance Department, 
irding to the Actuaries or Combined Experi- 
enci Mortality, with 4 per cent interest.. I 00 
Deduct net value of risks re-insured in other sol- 
vent companies 42,897 00 



Net re-insurance reserve, ... 



3.740.137 00 



POMPANIES OF OTHER ST \ I 117 

Premium due in 1ST.*) and future years paid in advance, $9, 252. 08; 
liabilities on policies lapsed bnt liable to surrender or restora- 
tion. $15 ? -762 ; total 825.fr ; 

Liabilities as to policyholders, $3,870,271 08 

Surplus as regards policyholders, 552,365 60 

Total Liabilities, .' $4,422,030 G8 

IV. INCOME DURING THE YEAR. 

Total cash premium income, $982,G62 14 

Received for interest upon all debts due the company, 273,425 15 

Total income, (all cash) • $1,25G,087 29 

Y. EXPENDITURES DURING THE YEAR. 
Paid for the Company's own losses and policy claims 

and additions thereto, £354.915 55 

Paid on account of policies lapsed, surrendered or 

purchased 238,426 70 

Dividends to policyholders, 148,731 13 

Total cash paid to policyholders, $742,073 38 

Commissions to agents, $1(53,488 81 

Salaries and traveling expenses of managers, 1,738 24 

Medical examiners' fees, 12,502 15 

Salaries and other compensation of officers and em- 
ployes, 37,503 22 

Total pay account. 215,292 42 

Premiums to other companies for policies re-insured, .$25,002 58 

Dividends to stockholders, 20,975 39 

Taxes and revenue stamps, 10,125 82 

Rents, 14,184 37 

Advertising, printing, stationery, exchange, law expen- 
ses and miscellaneous, 02, 505 99 

Total miscellaneous expenditures, 132,71)1 15 

Total expenditures (all cash) $1,090,159 95 

VI. EXHIBIT OF POLICIES. 

Policies in force at tlie commencement of the year: 

Number. Amount. 

Whole life policies, 8,2G4 $17,091,813 00 

Endowment policies, 1,588 3,930,763 00 

Joint-lives and survivorships, 31 59,240 00 

Short term and irregular policies, 382 1.321,500 00 

New policies issued during the year: 

Whole life policies, 1,450 3,250,020 00 

Endowment policies, 921 1,880,030 00 

Short term and irregular policies, 122 351,000 00 



1 1 8 LIFE INSURE 

ring tJu year : 

Nun Amount. 

Whole life po!: i« 

Endowment p l<; 00 00 

Joint-lives and survivorships, l 

Short term and irregular policies :. 

Oldpolie - id : ' 

Whole life policies, 

Short term and irregular policies 

Addition* by chan$ 

Whole life policies 10 15,770 00 

Endowment policies 4 12,000 00 

Short term and irregular 

Total number and amount 12,763 $28,794,7* 

Deduct policies decreased and ceased to be in force, 2.120 21,591 00 

Total policies in force at the end of the year 10,643 $23,073,19* 

Policies in force at the end of the year, including addition*, classified: 

Number. Amount 

Whole life policies 8,421 817,6.53,308 00 

Endowment policies 1,934 4.: .13,647 00 

•Joint lives and survivorships 21 47.240 00 

Short term and irregular policies, 267 1. (-39,000 00 

Total policies iu force at the end of the year, 10,643 823,073,195 00 

Number and amount of policies which have ceased to be in force during the year : 

Number. Amount 

Terminated by death 147 >8,760 00 

By expiry 7 13,640 00 

By surrender 227 606,991 00 

By lapse 1,139 3,157,650 00 

By change and old policies decreased. 16 154,500 00 

Not taken. 584 1,430,050 00 

Totals 2,120 $5,721,591 00 

VII. BUSINESS IN CONNECTICUT IX 1874. 

Number. Amount. 

Policies in force in Connecticut 108 |227,600 00 

Issued during the year B6 133,000 00 

Premiums collected during the year, t3 48 

Losses paid 6.000 00 



COMPANIES OF OTHER STATES. 119 



WASHINGTON LIFE INSURANCE COMPANY. 

New York City. 

Commenced Business 1860. 

Cyrus Curtiss, President. William Haxton, Secretary. 

Attorney in Connecticut, JoHn Lindley, Ansonia. 



I. CAPITAL. 
Capital actually paid up in cash $125,000 00 

II. ASSETS. 

Real estate owned, after deducting all lieus and encumbrances,... $58,365 30 
Loans secured by deeds of trust or mortgages upon real estate,... 2,044,263 87 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

U. S. and State Stocks : — 

U. S. registered bonds, 8310,000 00 .$365,800 00 

N. Y. State registered, 100.000 00 105,500 00 

Municipal Bonds : — 

N. Y. City registered, 1,290,000 00 1,335,150 00 

Brooklyn City registered, 50,000 00 53,000 00 

Kingston City bonds 13.000 00 13,000 00 

Bergen County, N. J 2,000 Oo 2,000 00 



Total $1,765,000 00 $1,874,450 00 $1,874,450 00 

Loans on Collateral. 

Par Value. Market Value. Amt. Loaned. 

Loans on life policies, $12,000 00 $12,000 00 9,847 4S 9 847 48 

Cash in office of Company, 336 999 87 

Cash deposited in banks and trust companies 138,223 6^ 

Total amount of cash items 

Interest accrued on cash loans and on bonds owned, 

Net outstanding and deferred premiums on policies in force, 217,797 98 



175.223 55 

23.67<; 26 



Total admitted Assets, $4,403,624 44 

Items not admitted as available Assets : 
Present market value of furniture, safes, and fixtures. .§ 15. 000 CM) 



120 LIFE INSURE 

hi. liabujtj 

Death Losses due and unpaid 

(. lain rad matnr ! in 

process of adjustment, or adjusted and not due,.. 
For death losses and other policy claims . 

Total policy claims 

a and additions thereto, 
aber 31, ! v 7 1. computed by the Connecticut Insur- 
ance Dep according to the Actuaries or Combined £z- 

rable of Mortality, with 4 per cent, interest 3,947, 

Unpaid dividends of surplus, or other description of profits due 

policyholders, L27 57 

Unpaid dividend- to stockholders 626 50 

Due on account of salaries, rents and office expenses : 34 

iinns paid in advance 37 20 

Liabilities as to policyholders $4,012,714 61 

Surplus as regards policyholders 

Total Liabilities _! 4t 

IV. INCOME DUIUNG THE YEAH. 

Cash received for new and renewal premiums - 29 65 

For interest upon cash loans "_ . 53 '.''- 1 

For interest upon bonds owned and dividends on 

stocks 108,889 72 

Discount on claims paid in advance. 1,167 

Total interest, and dividend income, 239,410 77 

Total income (all cash), '..... K) 42 

V. EXPENDITURES DURING THE YEAH. 

Paid for the company's own losses and policy claims, 

and additions thereto, 

Paid to annuitants 1,869 96 

Paid on account of policies lapsed, surrendered or 

purchased 99,795 27 

Paid for dividends to policyholders, 142,654 10 

Total cash paid to policyholders $564,711 19 

Commissions to agents $1 10 63 

Salaries and traveling expenses of managers of agen- 
cies, and general, special or local agents 14.:> - _~ 

unifiers' fees 6.98J <><> 

nd other compensation of officers and 
employes. 43,077 37 

.! payaccounl IS 

Divid Iders $9,604 98 

and revenue Btampfl 10,210 27 

bents 7. oiio 00 



COMPANIES OF OTHER STATES. 121 

Commuting commissions, $6,131 97 

Miscellaneous expenses, 45,785 06 

Total miscellaneous expenditures, 79, 232 28 

Total expenditures, (all cash) $768,227 47 

VI. EXHIBIT OF POLICIES. 

Policies in force at the commencement of the year : 

Number. Amount. 

Whole life policies, 8,806 $21,297,963 00 

Endowment policies 2,437 4,740,774 00 

Joint-lives and survivorships 4 

Short term and irregular policies, 10 44,065 00 

Neio policies issued during the year: 

Whole life policies, 1,249 2,764,395 00 

Endowment policies, 298 573,345 00 

Old policies revived during the year: 

Whole life policies, 184 456,000 00 

Endownment policies, 55 143,000 00 

Total number and amount, 13,043 $30,019,542 00 

Deduct policies decreased and ceased to be in force,.... 2.021 4,998,125 00 

Total policies in force at the end of the year, 11,022 $25,021,417 00 

Policies in force at the end of the year, including additions, classified : 

Number. Amount. 

Whole life policies 8,625 $20,463,303 00 

Endowment policies 2,388 4,534,049 00 

Joint-lives and survivorships, 4 

Short term and irregular policies, 5 24,065 00 

Total policies in force at the end of the year. 11,022 $25,021,417 00 

Number and amount of policies which have ceased to be in force during the year. 

Number. Amount. 

Terminated by death, 108 $337,410 00 

By expiry 3 15.000 00 

By surrender, 486 1.265.575 00 

By lapse 1,150 2.685,450 00 

Not taken, 274 694,690 00 

Totals. , 2.021 $4,998,125 00 



VII. BUSINESS IN CONNECTICUT IN 1874. 

Number. Amount. 

Policies in force in Connecticut, 42 $80.0t)0 00 

Policies issued, 3 8.000 00 

Premiums collected during the year, 2,843 C3 

Losses paid, 1.000 00 



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142 REPORT OF THE 

COMPANIES DOING BUSINESS in THE STATE. 

There are, at the present time, twenty-four Life Insurance Com- 
panies doing business in the State, eight Located in the State, and 
sixteen in other States, and three Accident Companies, all of this 

State. 

On the 31st of December last, the Provident Life and Trust Com- 
pany of Philadelphia, Pa., the State Mutual of Worcester, Mass., and 
the Brooklyn Life, of Brooklyn, X. Y., withdrew from the State. 

The Home Life, of Brooklyn, X. Y.. complied with the provisions 

of pur laws, and entered the State on the 23d of last February. 

The Hartford Accident Company Mas chartered in June last, and 
commenced business on the 20th of July. 

The capital stock and assets of the Life and Accident Companies 
doing business in the State may be divided as folio we ■ 

Capital. Assets. 

Connecticut Life Companies, $1,716,000 00 191,491,401 08 

Connecticut Accident Companies,. . 500,000 00 1,734,132 05 

Life Companies of other States, 1,839,500 00 205,123,315 50 



$4,055,500 00 $298,348,848 63 

BUSINESS OF THE YEAR. 

The number of policies issued in Connecticut the past year was 
3,302, insuring $5,922,698, against 4,258, insuring $9,590,225 in 1873. 
The Connecticut companies issued of these in 1873, 2,365, insuring 
$4,263,357, and 2,125, insuring $3,173,498 in 1874. 

The entire business for the year of all the companies doing busi- 

Q( 38 in this State was as follows : 

No. of 
Policies issued. Amount insured. 

Connecticut Companies, 31,160 $59,819,481 00 

Other Companies, 64,044 158,401,610 00 



95,204 $218,221,097 00 

This, as compared with the business of 1873, shows a falling off in 
the number of policies issued by the Connecticut Companiesof 4,904, 
and of the amount insured of $11,808,961 00. The companies of 
other States show a loss in the number of policies of 12,210, and of 
the amount insured of $42,382,570 00 

This large falling off in business may be partially accounted for by 
the stagnation that prevails in many of our industrial pursuits, and 
the consequent inability of those dependent upon them for an income 
to invest in life insurance. But beyond all this is the fact that the 
business its»lf has fallen under a salutary scrutiny, which is rapid- 
ly bringing every company to the test of truth and soundness. There 



INSURANCE COMMISSIONER. 1 L3 

is no business under the sanction of the laws of the land which has 
been so largely built up on deception as this. Promises have been 

boldly made which, in the nature of things, cannot be fulfilled, and 
expectations raised which can only end in disappointment. Life In 
surance has been invested with some mysterious power capable of 
producing something out of nothing. Instead of appealing to the 
rational business and domestic instincts of men, and showing them 
that by means of it they, or those dependent on them, will receive in a 
time of need what they pay for in days of abundance, it has been 
represented as a scheme of benevolence, or a financial speculation but 
little less productive than Aladdin's golden lamp. The time has come 
when these claims are challenged, and good will result from it to 
those companies which can best stand the test of an intelligent inves- 
tigation, and have profited the least through business obtained by 
methods of misrepresentation. 

Life insurance has become one of the important elements of mod- 
ern civilization. There are certain accepted theories upon which it is 
based which are undoubtedly sound, and will stand the test of time 
if they can only have the benefit of a wise administration. Here is 
the weak point in the whole system, and one that the State should 
guard with the most jealous care. What matters it how much wis- 
dom is expended in fixing the rules of action and governing the 
means of accumulation of a company, if its affairs after all this are at 
the final disposal of visionaries and spendthrifts ? I would have 
these words constantly sounded as with the tones of a trumpet in the 
ears of every man having any control over the sacred trust funds of 
life insurance companies : — " Place not one dollar of that money ex- 
cept where you know it will produce an income, and where it will be 
worth as much when you are called upon to take it up as it was when 
you laid it down." 

THE WORK OF VALUATION. 

Under the provisions of the statute all the policies issued by the 
life companies of this State, up to and including the 31st of Decem- 
ber last, 207,485 in number, have been separately valued in this of- 
fice, for the purpose of determining the exact amount which should 
be held in reserve upon each one of them. This work is repeated 
annually, for in no other way can the solvency of a life company be 
determined. The statute directs the commissioner to assume for 
this purpose " the rate of mortality shown by the so-called Actuaries 
or Combined Experience Table, and four per cent, compound inter- 
est ; and he shall value only net premiums." 






HKrolJT <>K I [IK 



Table of Mortality here referre I to was firsl published in 
and combines the long experience <>t seventeen ol the oldest life in- 
companies of England. The correctness of il h: beeu 

firmed us equally applicable to this country. Starting with I 
- a( the age of ten years it shows the 
with the expectation of life upon which the rates of premiums are 
fixed. 



ACTUARIES' OR COMBINED EXPERIENCE TABLE. 





IS Living. 


Xo. Dying. 


tati'n 




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1 :;ti*n 


10 


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ore 




55 


63,469 


1.07.-. 




11 


99,824 


674 




56 


02.O!' 1 


1,436 


L6.22 


J -J 


98,650 


672 


17.01 


57 




1,497 


15.59 


13 


97,978 


071 


46.33 




L61 


1,561 


14.07 


14 


i> 7. :;< »r 


071 


15.64 


59 


57,6 


1,627 


L4.37 


15 


96.636 


071 


44.00 


60 


55,97 1 


1,698 


13.77 


16 


95,965 


672 


44.27 


61 


54,275 


1,770 


13.18 


17 


95,293 


678 


43.58 


62 


52,505 


1.844 


12.61 


- 


94,620 


07.1 




63 


50,661 


1,917 


12.05 


19 


93,945 


077 


42.19 


64 


4-.744 


1,990 


11.51 


20 


93,268 


680 


41.49 


65 


40, 754 


2,061 


10.97 


21 


:<_.. 88 


683 


-It i.7'.' 


66 


44,6 




10.46 


22 


91,905 


686 


40.0!) 


<;: 


42 I 


2,191 




23 


91,219 


690 


39.39 


G8 


40.. 


2 246 


0.4 7 


24 


90,529 


694 




69 


38.128 


2,291 




25 


B9,835 




37.98 


70 


35,837 


2,327 


-..M 


26 


B9,137 




37.27 


7! 


,510 


2,351 


8.10 


27 


B8,434 






72 


81,1 


2.362 


7.67 




37 726 


714 




73 


28,797 




7.20 


29 


B7,012 


720 


35.15 


7-1 


m 






30 


86,292 


727 


34.43 


7."> 


24.100 


2,303 


6.48 


31 


B ! ,565 


7:: 1 


33.72 


76 


21,797 


2,249 


0.11 




34,J 


742 


33.01 


77 


19,548 


2. 17!> 


5. 76 




84,089 


77,0 


32.30 


78 


17,369 




5.42 


34 


83,339 


758 


31.58 


70 


17). 277 


1.687 


5.09 


35 


82,{ • 


767 


30.87 


80 


13.290 


L.866 


1.78 


36 


81,814 


776 


30.15 


81 


11.421 


1.7;;<» 


L48 


37 


,038 




29.44 




9,694 


1,582 


4.18 


38 


,253 


707. 


2S.72 


B3 


8,112 


1,427 


3.90 


39 


. 158 


805 




84 


6,685 






40 


78,653 


815 


. .:.•_- 




5, ! 1 7 


1.111 




41 


77. 


826 


26.56 


B6 


4,306 




3.10 


42 


77.012 


839 


■ 


87 




811 


2.84 


43 


76,173 


B57 


25. 12 


- 


2.:.:'. 7 


673 




44 


76 8 


381 


21. 0> 




L,864 


545 




4fi 


74,435 


909 




90 


1,319 


127 


2. 1 1 


46 


7:;.:. it. 


944 


22.97 


91 


- 


322 


1.89 


47 


7-J. 


981 


22.27 


92 


570 


281 


1.67 




71,601 


1,021 


21.56 


93 




1 .-»:» 


1.17 


49 


70,/ 


1,1 63 




94 


184 


95 


1.28 




69,517 




20.18 


95 


B9 


52 


1 . 1 2 


51 


109 


1,156 


19.50 


96 


37 




99 


52 


67,2 


1,207 


L8.82 


97 


18 


9 




58 


66,046 


1,261 


18.16 


- 


l 


•■ 


75 




64,7 


1,316 


17.50 


99 


1 


1 


50 



INSURANCE COMMISSIONER. 



145 



The rate of interest assumed is four per cent, compounded annual- 
ly upon the net premiums. These net premiums are tabulated on 
the basis of $1,000, as follows: 



NET PREMIUMS AT 4 PP^R CT. ON £1,000. 



LIFE. 


ENDOWMENT. 


A<je. 


Single Pre- 
mium. 


Annual. 


10 Premiums 


Death or 
10 Years. 


Death or 
20 Years. 


Death or 

30 years. 


20 


$251.91 


$12.95 


$30.81 


$83.87 


$36.97 


$22.68 


21 


256.56 


13.27 


31.40 


83.91 


37.05 


22.79 


22 


2(51.37 


13.61 


32.00 


83.97 


37.12 


22.90 


23 


266.36 


13.96 


32.63 


84.02 


37.21 


23.01 


24 


271.50 


14.33 


33.27 


84.08 


37.29 


23.15 


25 


276.82 


14.72 


33.94 


84.15 


37.38 


23.29 


26 


282.31 


15.13 


34.64 


84.22 


37.48 


23.44 


27 


287.09 


15 06 


35.35 


84,29 


37.59 


23.61 


28 


293.86 


16.01 


36.09 


84,37 


37.70 


23.79 


29 


29!). 91 


16.48 


36.86 


84.45 


37.82 


24.00 


30 


306.17 


16.97 


37.66 


84.54 


37.95 


24.21 


31 


312.63 


17.49 


38.48 


84.63 


38.09 


24.44 


32 


319.29 


18.04 


39 33 


84.71 


38.25 


24.70 


33 


326.17 


18.62 


40.21 


84.82 


38.41 


24.98 


34 


333.27 


19.23 


41.12 


84.93 


38.59 


25.29 


35. 


340.60 


19.87 


42.06 


85.03 


38.80 


25.63 


3(5 


348.17 


20.54 


43.04 


85.15 


39.02 


26.01 


37 


355.99 


21.26 


44.05 


85.28 


39.28 


26.42 


38 


364.07 


22.02 


45.10 


85.42 


39.55 


26.87 


3!) 


372.42 


22.82 


46.20 


85.58 


39.87 


27.37 


40 


381.04 


23.68 


47.33 


85! 76 


40.22 


27.92 


41 


389.96 


24.59 


48.53 


85.97 


40.60 


28.53 


42 


399.18 


25.55 


49.77 


86.22 


41.05 


29.20 


43 


408.71 


26.58 


51.08 


86.51 


41.53 


29.94 


44 


418.52 


27.68 


52.44 


86.84 


42.08 


30.76 


45 


428.57 


28.85 


53.86 


87.02 


42.68 


31.63 


46 


438.86 


30.08 


55.33 


87.61 


43.34 


32.60 


47 


449.35 


31.39 


56.85 


88.06 


44.06 


33.64 


48 


460.02 


32.77 


58.43 


88.55 


44.85 


34.77 


49 


470.88 


34.23 


60.05 


89.07 


45,71 


36.00 


50 


481.91 


35.78 


61.74 


89.66 


46.65 


37.32 


51 


493.11 


37.41 


68.49 


90.29 


47.68 


38.75 


52 


504.46 


39.15 


65.30 


90.97 


48.81 


40.30 


53 


515.95 


41.00 


67.17 


91.73 


50.03 


41.96 


54 


527.57 


42.95 


69.12 


92.55 


51.37 


43.75 


55 


589.31 


4:.. 02 


71.14 


93.45 


52.84 


45.68 


56 


551.16 


47.23 


73.25 


94.43 


54.44 


47.76 


57 


563.10 


49.57 


75.44 


95.51 


56.18 


49.99 


58 


575.14 


52.07 


77.75 


9(5.74 


58.09 


52.38 


50 


587.26 


54.72 


80.15 


97.99 


60.18 


54.<)G 


60 


599.43 


57.56 


82.68 


99.47 


62.45 


57.72 


61 


611.63 


60.57 


85.34 


101.07 


64.93 


60.69 


62 


623.83 


23.78 


88.13 


102.81 


67.62 


63.86 


63 


635.99 


67.20 


91.07 


104.73 


70.55 


67.24 


64 


648.12 


70.84 


94.10 


106.83 


73.73 


70.87 


05 


660.17 


74. 72 


97.43 


109.12 


77.17 


74.73 



19 



146 



REPORT OF TIIK 



A glance at the rates «»l any well regulated Life company will show 
thai a Libera] allowance is made for the necessary expenses attend- 
ing ihe business. For example, the gross premiums for $1,000 insur- 
ance in one of the best regulated <>!' the Connecticut companies, are : 



LIFE. 


KNDOWMENT. 




Age. 


Sinple Pre- 


Annual. 


10 Premiums. 


Death or 


Deatfa 


Death or 30 


mium. 






10 years. 


years. 


yean. 


20 


-.64 


17.04 


38.27 


102.58 


16.31 


29.10 


25 


.•'.11. IS 


19.84 


42.20 


LOS. 19 


47.07 


30.16 


80 


841.27 


22.64 


46.89 


mi. oo 


48.09 


31.60 


:;:, 


376.67 


26.26 


52.39 


105.02 


4«.).r,4 


33.74 


40 


41S.04 


31.22 


."-.'.':'. 


106.47 


51.81 


37.05 


45 


»*;ii.77 


:;:.'.':; 


67.28 


108.! is 


:>:..:. 1 


42.28 


50 


521.45 


40.94 


77.74 


112.95 


61.36 




:>:, 


580.31 


59.79 


:m>.78 


118.89 


70.16 




en 


641.95 


77.89 


107.28 


128.00 






<;:, 


704.22 


102.50 


L28.63 


142.1.-, 







The margin for expenses, technically called ;; Loading," would seem 
to be sufficient, and by assuming that only four per cent, interest is 
received on the investments, the test of solvency prescribed by the 
statute is believed to be complete and ample. 

The results of the valuations made in this office are illustrated by the 
followimj; examples taken from actual policy schedules: 















Reserve at end of the follow- 










ing years. 


No. 


Date. 


Age. 
38 


Kind. 


Ain't 


1871 


187'i 
14<> 


L873 

171 


1874 


1875 


7'.'.:;"'.' 


Jan. 6th, 


1868 


Lite. 


2.1)00 


110 


235 


79,330 


Jan. 7 th, 


1868 


37 


10 Pay. Life 


5,000 


78 


998 


1226 


1 Hi 4 


171:; 


79.402 


Jan. 8th, 


1868 


56 


Life. 


538 


'••7 1 




'.'l:, 


1080 


80,937 


Feb. 10th, 


1868 


40 


10 P.. v. Life. 


2,000 336 




■V27 


629 


7:-;:. 


82.828 


Apl. l*t, 


1868 


33 


Life. 


10.000 460 


5 7'.' 


7<»2 




960 


82,946 


Apl. 6th, 


1868 


42 


10 Pay. Lite. 


10,000 177(1 


2254 


2758 


8285 


3836 


80,699 


•Ian. Slat, 


186S 


30 


End. at 40 


10,000 


S439 


44c:; 


5414 


6476 


7588 


80,794 


Feh. 5th, 


1868 


20 


End at 40 


2,000 


269 


:;.:; 


m 




588 


81,088 


Feb. 14th, 


1868 


19 lOPav.En. 40 


1,000 


229 


293 




43( 1 


508 


81,114 


Feb. 15th, 


1S68 


36 |lo Pay. Ei. 55 


2,000 




- 


77; 


928 





These figures illustrate the scheme of yaluation fixed by the laws 

of the State, and are based upon the actual experience of th% past hun- 
dred years, (riven the age of the insured, his expectation of life is 
determined. The premium paid on this expectation, compounded 
annually at 4 per cent, is assumed to be sufficient to meet the sum tor 
which he is insured at the time of his death, or the expiration of hi s 
term of endowment Those who overrun the expectation make the 
average with those who fall short The statements and tabulations 
in detail herewith published, show hoV each of our Connecticut com- 
panies, and each company doing business in the State, stands the re- 



lired test in regard to valuations and reserve. 



INSURANCE COMMISSION Ki:. 147 

I will not stop here to consider the question whether the rate of 
interest assumed by our statute is entirely equitable. It is enough 
to know that it is on the safe side, and that if not required to do so 
by law, every company should hold itself to it by the dictates of com- 
mon prudence. The rate of interest is^declining in this country, to 
conform to that of other nations with which we are in close commer- 
cial intercourse. Reliable six and seven per cent, securities are rap- 
idly appreciating, so that the actual rate of interest received upon 
them is far below the nominal. The new government five per 
cent, bond is readily taken up at par, in gold, and held as a perma- 
nent investment by the custodians of trust funds. It is not believed 
that any new government bonds will ever be issued at a higher rate 
than this, and it is probable that even a lower rate will hereafter be 
the standard. Life insurance companies, holding their reserves with 
reference to long and uncertain periods of time, must calculate their 
productive capacity upon a basis below the Ordinary ruling rates for 
money to keep themselves within the line of safety. 

ASSETS. 

Tables I and II (pp. 126, 127) classify the assets of all the companies 
doing business in this State, and the percentage of their various invest- 
ments. It will be seen that the companies of .this State have 76 per 
cent, of their assets in real estate, real estate security, and other prop- 
erty not immediately available, and 24 per cent, in cash, stocks and 
bonds, and other available property. The companies of other States 
have their assets distributed in substantially the same manner. This 
is reversing the state of things existing in the fire insurance compa- 
nies, and conforms to the nature of their business. The immediate 
necessities of a solvent life company can never be but a small per- 
centage of its assets, and its investments should, therefore, be made 
with a view to their permanence and security. 

In the light of actual experience an important question arises in 
regard to the investments of life insurance companies. Should there 
be absolutely no restriction upon them, or if restricted where should 
the line be drawn? An obvious answer to this question would be — 
place them under the same restraints that are applied to our savings 
banks. But this would be clearly unjust and impracticable. Our sav- 
ings banks are purely local institutions. They agree to pay to their de- 
positors only their earnings. If they cannot successfully use their 
deposits they can return them. Life insurance companies have the 
whole country for a field. They make specific contracts to pay spe- 
cific sums of money. They must keep all their income actively em- 
ployed in order to be able to fulfill their contracts. Their agencies 
are wide spread, and they are thus brought into active business rela- 



14S REPORT OF THE 

tions with nearly every conspicuous town in the Onion. Why then 
should they not be allowed a wide range in selecting locations for 
Loaning their money, especially upon real estate? It is easier to dee 
ignate a few things thai they should be prohibited From investing in 

than it is to specify the securUies in which they may invest They 
Bhonld not be allowed to invest in the bonds of a non-dividend paving 
railroad on any terms, or in any security that has not a recognized 
intrinsic or market value. In Loaning upon real estate they cannot 
be restricted, as our savings hanks are, to loans in this State, for 
the very good reason that the demand for such loans is too limited 
to absorb the deposits of our savings banks, much less the enor- 
mous amounts accumulated by other corporations. Our life insurance 
companies have sought loans of this character, and are still seeking 
them, but with poor success. To compel them to loan any consider- 
able portion of their funds upon this class of securities would be 
equivalent to directing them not to loan them at all. 

One thing should be embodied in our laws and strictly enforced. 
No life insurance company should be permitted to loan or invest 
any money, even to the value of a dollar, except at a regular meeting 
of the board of directors, and then each directors vote should be tak- 
en on any such loan or investment, yea or nay, and recorded. This would 
create a personal responsibility in each case, which is now wholly 
wanting, and be most salutary in its effects. 

LIABILITIES. 

Table III, (p. 128,) shows the liabilities of the (companies. These 
are almost wholly the accrued deatli losses and the reserve held to 
meet those certain to come in the future. The companies of this 
State have a surplus of assets over liabilities of $7,235,133 23, and 
those of other States doing business here, of $16,108,431 67. A 
competition among the companies to pay dividends, so called, will 
probably prevent this surplus from increasing, and it is not desirable 
that it should increase if the securities held by the companies are 
what they are represented to be. 

THE SOURCES OF INCOME. 

Table IV, (p. 129,) show T s the sources of the income of the compan. 
ies doing business in the State. Of course this must be almost whol- 
ly from premiums and interest investments. As investors in real 
estate these companies do not seem to be successful. They hold 
113,251,089 23 in real estate, and receive in rents upon it £393,074- 
55, or $4,458 12 less than 3 per cent. 



INSURANCE COMMISSIONER. 149 

EXPENDITURES. 

Of the expenditures, Table V, (p. 130,) 78 per cent, is in cash re- 
turned to the policyholders in some form, about 7 per cent, is paid as 
commissions to agents, and less than 4 per cent, as salaries and fees. 
As other monied institutions are now conducted these last items 
cannot be considered extravagant. Table VI illustrates these points 
with reference to income. 

ASSETS, LIABILITIES, INCOME, &C. 

Table VI, (p. 131,) presents some valuable ratios, by which the 
proportion of assets to liabilities, expenditures to income, and claims 
paid to income, can readily be seen. 

RECEIPTS AND EXPENSES. 

Table VII, (p. 132,) exhibits the ratio of expenses to income, and 
commissions paid to receipts, as well as notes taken to gross premi- 
ums. The practice of receiving premium notes is now discouraged 
by most of the companies, and entirely abandoned by many of them. 

BUSINESS IN CONNECTICUT. 

Table VIII, (p. 133,) shows in full the business in this State already 
commented upon. 

THE BUSINESS OF 18*73 COMPARED WITH THAT OF 1874. 

Table IX, (p. 134,) shows the amount of business transacted by all 
the companies doing business in this State in 1873 and 1874. Eight 
of them show an increase in the number of policies, and sixteen a 
decrease. 

COMPARISON OF POLICIES IN 1873 AND 1874. 

Table X, (p. 135,) classifies the policies in force last December, and 
compares the total amount with those outstanding in 1873. The 
table shows an increase in the number of policies issued, but a de- 
crease in the amount represented by them. 

THE TERMINATION OF POLICIES. 

Tables XI and XII, (p. 136 and 137,) show the number and amount 
of policies terminated, mode of termination, and the percentage of the 
different modes to the whole number terminated. Taking the Con- 
necticut companies for example, and deducting from the whole num- 
ber of policies terminated, those " not taken," which have no signifi- 
cance for the purpose of estimating the course of business of a com- 
pany, and are entered merely for the purpose of preventing confusion 
in numbering the policy schedules, and we have 25,940 as the whole 
number of policies terminated during the last year. Of these 2,224 
terminated by death, 179 by expiry, 7,706 by surrender, 1,579 by 



150 REPORT OP TDK 

change, and I 4,25 2 by lapse, or 2,564 more than by all other ca 
combined. Add to these the 7,706 surrendered, either from a want 
of confidence, or of ability to keep op the paymi nl of premiums, and 
it makes nearly seven-eights of the entire amount terminated for 
causes not contemplated when the original contract for insurance was 
made. Is there any remedy for these wholesale surrenders and Lapses ? 
If business were solicited with entire frankness and truthfulness they 
would not be so numerous. There is no doubt that a large propor- 
tion of them are caused by the resentment that follow- the conscious- 
ness of haying been deceived. 

In strict justice it appears to me that every person who lias paid 
premiums on a policy for not less than three years should have in 
some way the benefit of the reserve that has accumulated upon it. If 
he declines to take out a full paid policy for a proportion of the orig- 
inal amount contracted for, there should be some other way of sav- 
ing to his policy the reserve upon it held by the company. I would 
recommend the passage of a general law providing that when any pol 
icyholder ceases to pay the premiums on his policy, the reserve accu- 
mulated upon it should apply on the premium account until it is ex- 
hausted. A company then has no motive for driving its policyhol- 
ders into lapses, and the policyholder in any event gets all that he 
pays for. 

DEATH CLAIMS. 

Table XIII, (p. 13S,) compares the death claims of 1873 and 1874. 
The last year shows a falling off both in number and amount. 

PKEMIUM NOTE ACCOUNT. 

Table XIV, (p. 139,) gives a synopsis of the premium note account 
of the several companies in 1873 and 1874. 

NUMBEE AND VALUE OF POLICIES. 

Tables XV and XVI, (pp. 1-10 and 141,) show the number and 
value of all the policies in force in the companies doing businesN in 
this State, and the average amount and value of each policy, &C. 



[NSURANCE COMMISSIONER. 



151 



Summary Comparison of Assets, Liabilities, Premium Reserve, and Net 
Surplus from 1868 to 1874, inclusive 



oiNXECTICUT COMPANIES. 





No 




Year 


of 


Gross Assets, 




Co's. 




18G8 


9 


$45,057,482 


1869 


9 


57,472,951 


1870 


9 


65,701,233 


1871 


10 


71,664,483 


18 72 


10 


78.871. M(i 


1873 


10 


86,265,885 


1874 


10 


93,225,533 



Gross Liubilit's 



$34,322,242 
43,078,693 
51,836,007 
61,582,030 
70,367,469 
78,930,481 
84,567,161 



Net Surplus. 



$10,735,240 
14.394.258 

13,805,226 
10,082,453 

8,504,431 
7,335.404 
8,658,372 



Prem. Reserve. 



$33,095,981 

41,880,821 
49,942,670 
59,071,534 

67,938,094 
76.191.451 
82,314.903 



Ratio of 


Ratio of 


Asm- Is to 


Asseta '•> 


Liabilit's 


Pre'mRes. 


1.3923 


1.4523 


1.3248 


1.3734 


1.2612 


1.3137 


1.1581 


1.2(1! 15 


1.1208 


1.1511 


1.0921 


1.1322 


1.1022 


1.1325 



COMPANIES OF OTHER STATES. 



1868 


28 


1869 


28 


1870 


28 


1871 


28 


1872 


23 


1373 


19 


1874 


16 | 



$98,910,711 
124.518,921 
145.847,834 
166.813.723 
172,766.987 
191.655.354 

'205. 123,316 



$87,934,164 

112.388.476 
134.667,429 
153,266,594 
162,149,078 

179,047.725 
$189,014,884 



$10,976,547 

12.130.445 
11,180,505 
13.547.129 
10.617,909 
12.607.629 



$82,081,841 
105.138,346 
127.389.224 
147.381,958 
156.601,642 
173.255,032 



$16,108,432 $185,354,082 



1.1248 


1.1079 


1,0838 


1,0883 


1,0654 


1.0705 


1.0852 



1.2050 
1.1845 
1.1440 
1.1311 
1.1032 
1.1062 
1.1066 



THE MUTUAL PRINCIPLE. 

The blending of the stock and mutual principle in some of our life 
insurance companies is an anomaly that grows more and more apparent 
as the magnitude of their assets increases and their list of policy hol- 
ders is extended. Stock insurance companies are owned and controll- 
ed by those who furnish the capital upon which they are based. 
They take all the profits and bear all the losses, and alone are respon- 
sible for the management of the companies. There is no pretence 
that the policy holder has any interest in the compnny in which he 
insures, except a general interest in its solvency, to the extent of its 
being able to perform the contract which it has made with him. A 
mutual company, if any meaning attaches to that term, is one in 
which every policy holder is, by reason of that fact, a member of the 
corporation and consequently entitled to a voice in its management, 
and eligible to any office in its gift. The Connecticut Mutual is 
based upon this theory. Other companies, like the iEtna, Charter 
Oak and Phoenix, are ostensibly mutual, but in the midst of their mil- 
lions of assets each has a little kernel of stock which controls the 
whole mass, and will continue to control it in all time to come, when it 
has been multiplied even an hundred fold. It is all held, in the case of 
each company by a few men, and when a change in the title to any of 
it is inevitable it is bought up, or its ownership is controlled, by them. 

I am not claiming that this stock system has or has not thus far 
worked injuriously to the interests of the companies, or that purely 
mutual companies are not practically governed by a few interested 



152 KRPORl OF THE 

men. My object is to call attention to the Fact thai this anomaly exists, 
and to express the opinion that it is not strictly tn conformity with 
justice 10 permit i ain as a feature of the lit'*' insurance policy 

of the State. 

Men who control large amounts of money □ >i their own, without 
any restraint or limitation, are prone to lose sight of the real natui 
their trust, and use il for selfish purposes. Who would not enjoy a 
salary greater than he has the cap: am when lie could obtain 

it by a simple vote, and who would not be generous with his friei de 
when he could vote them into fat places at no expense to himself, and 
with no fear of censure from any one? 

Possibly no law couldjbe framed that would immediately place the 
companies under the control of those who chiefly "have a direct per- 
sonal interest in their prudent management, because they are general- 
ly bo well conducted that there would be no occasion tor interference, 
but the time may come when glaring abuses exist that can be cor- 
net e< I only by the interference of the policyholders. Such cases 
should be provided for. The power and the responsibility for its ex- 
el cise should be placed upon those most directly interested. 

CO-OPERATIVE SOCIETIES. 

Reports of the two societies doing business in this State show that 
the New Haven company lias run down from 1G04 certificates in force 
in 18*73, to 27G in 1875. It has ceased new business, and will soon 
be closed up. 

The Hartford company is still a competitor for public favor. It 
reports precisely the same number of certificates in force that it had 
two years ago. 

OUR CONNECTICUT COMPANIES. 

It is not yet thirty years since the first Connecticut life insurance 
company commenced business. The growth of the business has been 
remarkable within that time, and our companies have acquired a very 
high character wherever life insurance is known. Perhaps this re- 
port cannot be made more useful than by taking up each company 
separately, in the order of its charter, and giving its characteristics 
briefly and plainly, with a general summary of its powers under its 
charter. 

Tin: JETS A LIFE. 

Originally the J£tna Life was the annuity department of the .Etna 
Fire, which was chartered in 1820, but little was done under the 
grant In L 853 the shareholders of the annuity department were in- 
corporated as a life insurance company. The capital was fixed at 
$50,000, with privilege to increfl >00. None but stockholders 



INSURANCE COMMISSIONER. 153 

were eligible as directors. The company is authorized to invest its 
funds in " lands, tenements, rents, hereditaments, goods, chattels and 
effects of every kind and nature, as also U. S. Stocks and bank stock 
of the U. S. Bank, or any bank in the United States." 

The real estate loans of this company past due on interest account, 
one year or more, amount to $88,846.73, with unpaid interest amount- 
ing to $18,607.33. The past due interest on Virginia bonds is $3,418,- 
74, on South Carolina bonds, $4,500. On De Witt and Macoupin Co- 
bonds, $23,200, and on Southern Minnesota R. R. bonds $3,480. A 
loau on same railroad bonds as security for $35,000 has $7,000 past 
due. Other than these securities the company has no obligations of 
any kind that are not promptly met. 

A dividend of thirty per cent, on its capital stock was paid by this 
company last year. The original capital paid in was $100,000. It 
has been made up to $150,000 by dividends. There is no restriction 
upon dividends in its charter, and the company claims that the divi- 
dends on its stock are wholly made in the stock department of 
the business. 

THE CONNECTICUT MUTUAL. 

This company was chartered in 1846. At the first meeting of the 
corporators named in the act of incorporation twelve directors were 
ordered chosen, none of whom should hold a like office or agency in 
any other life insurance company. No director could be eligible to 
that office more then four successive years, except president and vice 
president. Every person insured in the company was to be deemed 
and taken as a member of the corporation during the time specified 
in his policy and no longer. It was made lawful for the corporation 
to loan its funds, or any part thereof, upon bond and mortgage of 
unincumbered real estate worth at least double the amount loaned 
thereon, and upon state stocks and bank stocks, such stocks to be 
worth 25 per cent, above the amount loaned thereon at the time. 

The act of incorporation was amended in 1848 so as to authorize 
the president, by a vote of the directors, to call a meeting of the 
members of said company at any time. 

The act was further amended in 1856, making every male adult 
member of the company eligible to the office of director, and it was 
provided that a member may be chosen director for any number of 
successive years so long as he remains a member of the company. 

It will be seen by this that this company is directed as to the man- 
ner of loaning its money, but not a word is said about its investments. 
These are believed to be judiciously made. Soon after the Chicago fire 
extensions of interest were made on $1,869,779.35 of the loans invol- 
ved in that event, but I am assured that the security amply covers 
20 



154 REPORT OF THE 

both principal and interest, and the back interest is now in a rapid 
course of collection. Aside from this there is no obligation held 
by this company that is aol promptly met In the magnitude o£ its 

busings, and the amount of its assets, this company is the second in 
the United States, and the fourth or fifth in the world. 

AMERICAN NATIONAL LIFE AND TRUST COMPANY. 

All that I have to say in regarfl to this Company is said in a special 
report appended to this. The company has not yet (June 7) reported 
to this office. 

Tin; charter oak life. 

This company was chartered in 1850. The capital stock was fixed 
at $200,000 — shares $100 each. Subscriptions to the capital stock- 
were payable, five dollars at the time of subscribing, live dollars 
within twenty days after the organization of the company, and twenty 
days after the company was organized the remainder was to be se- 
cured to be paid, either by bond and mortgage on real estate, or 
by endorsed promissory notes approved by the directors and the 
Comptroller of the State, and payable at the discretion of the direc- 
tors. The business of the company was ordered managed by not less 
than five nor more than ten directors, and no one but a stockholder 
was eligible as a director. It was provided that the funds of the 
company should be invested, either in loans on bond and mortgage 
upon real estate of double the value of the debt secured thereon, or 
U. S. stocks, or stocks of any State in the Union, or bonds of the city 
of New York or Boston, or any incorporated city of this State, or 
may loan 25 per cent, of its capital and other funds upon endorsed 
promissory notes not having more than twelve months to run. It 
was made unlawful for the directors to make dividends of the profits 
of the company exceeding eight per cent, per annum upon the capital 
thereof. 

Only ten dollars a share was ever paid up on the capital stock. 
The remaining ninety dollars was paid in dividends. On this full 
paid stock a dividend of eight per cent, is regularly paid, according 
to law, and in addition to this the commissions on the business in the 
home office are divided among the stockholders, amounting, in some 
years, to as high as fourteen dollars a share. Certainly nothing of 
this kind could have been contemplated by the legislature in grant- 
ing the charter of the company, and I think it wholly unwarranted. 

The connection of this company with the banking house of Allen, 
Stephens & Co. of New York, for a long time its depositaries, has 
led it into embarassments that I hope will only be temporary. At 
the time of the dissolution of this firm early in the present year, they 
were indebted to the company, on deposit and special account, to the 



INSURANCE COMMISSIONER. 155 

amount of $944,8 16. 14. To secure this large amount they transfer- 
red to the company real estate valued at $1,250,000, and a large 
amount of mortgages, besides personal security in the form of notes 
of a silver mining firm in Utah, to the amount of $100,000. I have 
no means of judging accurately as to the value of any of these secu- 
rities. The company is now vigorously engaged in realizing upon 
them. 

The company also has a claim fof money loaned against John A. 
Butler, of Hartford, for $79,000, which is nominally secured by a 
deed of valuable city property. There will be a shrinkage on this 
claim of not less than fifty per cent, in my judgment. 

I deem it my duty to protest against the valuation placed by the 
company upon the bonds of the Connecticut Valley R. R. Co. held 
as collateral for the security of a loan of $1,083,446.14. These 
bonds amount to $1,250,000, and the valuation placed upon 
them by the company is 90^. As none of them were ever 
on the market for sale, and are all held by this company, the 
valuation is arbitrary, and from no commercial standard with which 
I am familiar. They are second mortgage bonds, and no interest has 
ever been paid upon them. The first mortgage bonds are sold at not 
over 93, and pay seven per cent, interest. The company has also ad- 
vanced to the railroad company $219,000, and taken as security a 
mortgage of all their real estate not covered by their first mortgage 
bonds, valued at over $400,000. This mortgage is intended to cover, 
to its excess over the specific debt for which it is given, all the in- 
debtedness of the railroad to the insurance company, both principal 
and interest. The railroad is wholly unable to earn enough to pay 
its other expenses and the interest on its second mortgage bonds 
from its present business, but is expecting to be able to do this upon 
the completion of the Connecticut Central railroad to Springfield, a 
road of which it will virtually form a part. 

In regard to the present or prospective value of the securities held 
by this company to protect its railroad debt I have diligently tried 
to inform myself without obtaining any satisfaction. They have no 
market value. 

I have thus made a full and fair presentation of the embarrassments of 
this company. There has been a weakness of judgment in its confix 
dences, and a carelessness in loaning its money and scattering it in gra- 
tuities, amounting to a moral delinquency. But behind all that is of a 
bad or doubtful character in its assets there is a mass of securities so 
undoubtedly valuable and productive, that they will easliy lift the 
company out of all difficulties, even if its railroad debt is valueless, 



156 REPORT OF THE 

if b resolute policy of retrenchment in expenses and :i cessation of 
dividends is at once resolved upon. The ability of the company to 
meet all Its obligations as they come due is abundant and unquestion- 
able. 

THB PHCKNEX I.i: 

This company was chartered in 18^1, under the title of the 
"American Temperance Life Insurance Company." The name was 
changed in 18G1. Capital 8100^000, with privilege to increase to 
$200,000. Share- $50 each, five dollars on each share to be paid in at 

time of subscribing, and three dollars within twenty days after the 
organization of the company* The remainder of the capital to be se- 
cured by bond and mortgage on promissory notes acceptable to the 

diretors and the comptroller of public accounts. The management is 
ted in not less than rive nor more than eleven directors, who must 
be stockholders. The company may invest "the capital stock of said 
corporation" in loans on bond and mortgage upon real estate, or in 
U. S. stock, or any other sound stocks created by any state in the 
Union, or any incorporated city in this state. It also may invest 25 
per cent. " of its capital" in endorsed promissory notes not having 
more than twelve months to run. 

It will be seen that only 816,000 of the stock of this company has 
been paid in, upon which only six per cent, interest is paid. The char- 
ter is absolutely silent as to the investment of any portion of its funds 
except the capital actually paid in. It has an unproductive loan of 
8296,000 in the city of Washington, and other small and well secured 
loans to the amount of 869,700. The Washington loan is secured by 
real estate, and is in litigation. A judicial decision will be reached 
upon it and the whole matter settled, it is thought, before the next 
annual report. At the most there can be no serious loss upon it. The 
large amount of $515,480,60 of " outstanding and deferred premiums" 
presented in the statement of this company, will attract attention. 
This amount hasVecently been reduced to reasonable proportions. No 
company can afford to allow so large a proportion of its assets to re- 
main in the hands ot others, and if it could be safely done I should 
protest against it as bad policy and inexcusable. 

THE CONTINENTAL LIFE. 

Chartered in 1862, capital 8150,000, shares s-J5 each, twenty per 
cent, to be be paid in at the time of subscribing, and ten per cent. 
within twenty days after the Company is organized. The remainder 
secured to the satisfaction of the directors and comptroller of public 
accounts. The Company to l»e managed by not less than five nor 
more than ten directors, who must be stockholders. The capital 
stock and other funds of the company to be invested in bond and 



INSURANCE COMMISSIONER. 157 

mortgage upon real estate of double the value of the debt secured 
thereon, or U. S. Stocks and bonds, or stocks and bonds " created by 
any loyal state of this Union." or bonds of the City of New York or 
Boston, or any incorporated city of this State. Twenty-five per cent, 
of its capital and other funds may be loaned upon indorsed promis- 
sory notes not having more than twelve months to run. Not more 
than eight per cent, per annum shall be declared upon the capital 
stock. * 

Charter amended in 1866 increasing the capital stock to $300,000. 

Again amended in 1867, by authorizing loans on bond and mort- 
gage upon real estate of double the value of the debt secured thereon, 
or in loans upon or purchase of U. S. stocks and bonds, bank stocks, 
and bonds issued by any of the States of this Union, or by muni- 
cipal or other corporations. 

Again amended in 1874 by authorizing the reduction of the capital 
stock to $120,000, by reducing the number of shares or par value of 
shares pro rata. The reduction not to take place till the stock is 
fully paid and a surplus of $180,000 accumulated. Then a "reasona- 
ble and proper " dividend to stockholders may be made. No divi- 
dend shall be allowed to impair this surplus. 

This company has $1,800 interest past due one year or more on 
$29,500 of mortgage loans, and $4,^00 past due on $18,000 of its 
Western county loans. One-half the mortgages are in process of fore 
closure, and all are believed to be perfectly secure for principal and 
interest. The defaulted county loans are the Macoupin County and 
Leavenworth County bonds. 

THE TRAVELERS' LIFE. 

This company was incorporated in 1863, and was authorized to 
insure against life or accident, while traveling. The capital was to 
be not less than $100,000, nor more than $200,000, The shares were 
$100 each, payable ten dollars at time of subscribing, and ten within 
sixty days after the organization of the company. The remainder se- 
cured by bond and mortgage or promissory notes. The company to 
be managed by not less than seven nor more than seventeen directors, 
The capital and moneys of the company may be invested in bond and 
mortgage upon real estate, or U. S. stocks, bank stocks, or stocks 
and bonds created by any state, or of corporations created by this 
State. 

Charter amended in 1864, increasing the capital stock to $1,000,000. 

Again amended in 1865, giving the company full powers of life in- 
surance. 

Again amended in 1866, covering the entire business of life and 
annuity. The whole or any portion of its capital and surplus funds 



158 BBPOBT OF THE 

may be invested in bonds <»r Btocks oi the U. S. or any oi the states 

or of any cm-] .orations which are or may be created under the author- 
it} of the U. S. or of any of the states, 

Tne capital of $500,000 is bo irell invested that it lias only $15, 
in both its departments upon which interest is overdue one year, and 

this is amply secu.vd. 

TUB CONNECTICUT OKNKKAL. 

This company was incorporated in 1865. The capital not less than 
',000 or more than $1,000,000. Ten dollars on a share to be 
paid In at time of subscribing, ten within twenty days after the or- 
ganization of the company, and the remainder to be secured by bond 
and mortgage or promissory notes. All the money and personal 
properly of the company may be loaned upon real estate security, U. 
S. notes and bonds, bank stocks, or bonds issued by any state, or by 
municipal or other corporations, or loaned upon indorsed promissory 
notes not having more than twelve months to run. 

Charter amended in 1873, by reducing the capital to not less than 
>>i J 5, 000, either by a reduction of the number of shares or the par 
value of the same, whenever the company has a net surplus of 825,000. 

None of the assets of this company are doubtful. Interest is past 
due on $19,200 of its securities. 

HARTFORD LIFE AND ANNUITY. 

This company was chartered in 1866 as the "Hartford Accident 
Insurance Company."' The capital was not less than $200,000, nor 
more than $1,000,000. At the time of subscribing, ten per cent, of 
the capital was to be paid in and the remaining ninety per cent, se- 
cured to be paid Dy bond and mortgage or endorsed promissory 
notes. The affairs of the company to be managed by not less than 
seven directors. The company may insure against loss of life or per- 
sonal injury by accident, and may insure lives of persons and take 
life ri^kv. Xo restriction as to investments. 

Charter amended in 1S67. Name changed to " Hartford Life and 
Accident Insurance Company" and powers of life insurance enlarged. 
Authorized to invest all or any portion of its money in stocks of the 
United States or of any State, or of corporations which are or may be 
created by the United States or of any State, or notes or bonds secur- 
ed by mortgage of real estate, or otherwise. No restriction as to 
dividends. 

Further amended in 1868, by changing name to " Hartford Life 
and Annuity Company," and giving authority to grant and purchase 
annuities, &c. 

The only unproductive property of this company is a mortgage of 
I00j now in process of foreclosure. 



INSURANCE COMMISSIONER. 159 

CONCLUSION. 

In concluding this report upon the life insurance companies of the 
State I desire to emphasize the suggestion already made that there 
should be some additional safeguards thrown around their manage- 
ment. The extent of their business may be realized when we reflect 
that their income this year will be equal to the entire income of the 
United States government, from all sources, when the oldest of them 
commenced active business, twenty-eight years ago. The good name 
of the State is involved with them, for they are its creatures, and it 
has assumed the responsibility of their supervision. Their business 
relations reach out into every state in the Union, and a shock to 
their credit would be a wide spread disaster indeed. 

Look for a moment at the growth of their assets and indebtedness, 
for it is a mistake to look at only one side of their ledger account. 
We are apt to think of them as rich corporations, when all their ac- 
cumulations represent nothing but debt, with an inevitable pay day 
in the future. In the last seven years their assets have increased 107 
per cent., while their liabilities have increased 147 per cent. Their 
net surplus has absolutely diminished 25 per cent., and this and their 
premium reserve together has increased only about 107 per cent. 
These facts indicate bad management somewhere. And we are to 
take into this account the fact that the debts of corporations, like those 
of individuals, are not subject to a law of shrinkage that applies to as- 
sets. They are generally composed of figures that do not lie in favor 
of the debtor. Figures representing assets sometimes do. 

No violent changes are called for, nothing except some provision 
for constantly reminding the managers of these companies that they 
are under the control of some power higher than themselves, and that 
all their acts will pass under the review of that power. And such is 
the peculiar sacredness of the trust reposed in them that it would 
seem that some special pecuniary and personal responsibility should 
attach to an open and flagrant violation of it. 
Respectfully submitted, 

JOHN W. STEDMAN, 

Insurance Commissioner. 
Hartford, June 9, 1875. 



INDEX 



Actuaries' Table of Mortality, 144 {liabilities, 

Assets 117. L49 Mutual IMnciple of Insurance, 



Business of L874 142 



Net Premiums. 



Non-forfeiture of Policies, 

Pate of Interest, 

Receipts and Expenses,.... 

Sources of Income, 

Standards of reserve, 

Summary Comparisons,.... 
Termination of Policies,.... 
Valuat ions, 



Companies admitted and withdrawn 1 12 

Conclusion, 159 

Connecticut business, 142, 152 

Co-operative Societies. 54, 152 

Directory. 12:; 

Expenditures, 149 

dross Premium a 14G 

Introduction, 3 

Statistical Tables 

Table 1. Classification of Assets, 

2. Percentage of various assets 

Classification of Liabilities, 

Classification of Income , 

Classification of Expenditures, 

Gross Assets, Liabilities, Income, and Expenditures, 

Premiums received, Losses and Commissions paid. 

Connecticut business, 

Business of 1874, 

Summary of outstanding insurance, 

Policies terminated, 

12. Percentage of modes of termination, 

13. Claims, 

Premium Note Exhibit, 

Synopsis of valuations, 

Average amount and value, 

Detailed Statements — Connecticut Life Companies. 
7, 152; Continental, 31, 



3. 
4. 

5. 
(I. 

7. 

8. 

!). 
10. 
11. 



II. 
15. 

it;. 



Hartford Life and Annuity, 37, 

Phoenix Mutual, 40, 

Travelers, 43, 

Co-operative Societies, 54 



^Etna 

American National, Appendix 

Charter Oak, 15. 151 

Connecticut General, 20,153 

Connecticut Mutual, 25, 158 

Accident. 

Hartford, 35|Railway Passenger 

Travelers, 48 1 

Life Companies of Other States. 

American Popular, 59 

Berkshire, 63 

Continental, N. Y 67 

Equitable 71 

Gennania, 75 

Home, 7s 

Homoeopathic Mutual 82 

John Hancock Mutual, 86 



148 
151 

1 { 5 

150 

147 
140 
148 
146 

151 

149 
L48 

L26 

127 
128 
L29 
130 
181 
132 
133 
i:;i 
135 
186 
137 
138 
139 
140 
141 

156 
158 

15G 

157 
. .',r> 



Massachusetts Mutual, 


91 


Metropolitan 


96 


Mutual 


100 


Mutual Benefit, 

\i ■ w York 


103 

107 


Union Mutual, 

United States, 


Ill 

115 


Washington, 


119 



-Sfafe of (Sonnecficuf 



SPECIAL REFOIFLT 



INSURANCE COMMISSIONER 



OF CONNECTICUT, 



ON THE AFFAIRS OF THE 



AMERICAN NATIONAL LIFE AND TRUST COMPANY, 



OF NEW HAVEN. 



To the General Assembly of the State of Connecticut. 

The undersigned, Insurance Commissioner, submits this special re- 
port to the General Assembly in reference to the American National 
Life and Trust Co. of New Haven. It is submitted in advance of his 
regular report on the Life and Accident companies doing business in 
the State, which report cannot be prepared and submitted for several 
weeks, because he deems it important that the General Assembly 
should be speedily advised of the actual condition of this Company, 
and of his official acts in reference to it. Besides it is of importance 
to its policy holders that they should have a correct and reliable state- 
ment of its condition, and of its ability to discharge its obligations to 
them. 

The Act of 1871, creating this office, and defining the duties of the 
Commissioner, contains the following provisions in reference to the 
Life Insurance companies of this State : — 

Sec. 24. It shall be the duty of the insurance commissioner, once in three 
years, and of tener if he deem it necessary, to visit each life insurance company in- 



Z SPECIAL REPOB1 <>.\ THE 

oorporated In this state and thoroughly examine its financial condition and it* 
ability to ful fill it* obligations, and tomplied with all the 

of I iw applicable to the company and its transactions. 

Bxo. 28. If it shall appear from any report, valuation, or examination, as 
herein provided, that the assets of any company chartered by this state to grant 
insurances or make ■ onl raots contigenl upon lives, are le^ th in its liabilities, or if 
it shall fail to comply with any requirements of this act. the commissioner shall 
forthwith notify such company to cease the issue of new policies, and the pay 
ment of dividends to stook and policy-holders, until such time as the deficiency 
shall be supplied j and In- may at his discretion bring his petition to the court of 
probate for the district in which the principal office of such company is located, 
setting forth the facts on which it is founded, and praying for an appointment 
of a trustee to take possession of the property of such company for the benefit 
of its creditors ; such trustee if appointed shall proceed as directed by section 
twenty -nine of this act. 

Sec. 29. Iu case that it shall appear that the assets are less in amount than 
three-fourths of the liibilities of such company, the commissioner shall without 
delay bring his petition to the court of probate for the district in which the prin- 
cipal office of such company is located, in the manner and form provided in sec- 
tion twenty-eight of this act, and the court shall thereupon appoint a trustee 
who shall file with said court his oath of office, and a bond in su m amount with 
such security as the court may direct, and who shall take possession of all books, 
papers, and property, and receive all moneys belonging to such company, and ap- 
ply the same under order of the court, to the settlement of all claims against it, 
and to the re-insurance of its risks in some company or companies of good stand- 
ing, preference being given to the companies chartered by this state ; the trustee 
shall make a full report of his doings in the premises, to the court appointing 
him, and the court shall upon the re-insurance of its risks, and the transfer of 
its property for that purpose, declare the dissolution of the company by an order 
to be published for one month in a paper of general circulation, published in the 
county where the company is located. 

In pursuance of the provisions of this Act I made an examination 
of this Company, commencing on the 20th day of October last and 

continuing until the 23d day of November. This examination was 
impartial, thorough and exhaustive. At the outset of the investiga- 
tion the President of the Company directly prohibited me from exami- 
ning its books and papers in the New York office. But the Superin- 
tendent of Insurance of the state of New York interposed his authori- 
ty and detailed an expert examiner from his office to assist in the 
future progress of th ! investigation, both in New York and at the 
home office in New Haven. 

The result of the examination demonstrated that the liabilities of 
the Company were largely in excess of its assets after allowing every 
claim made by the Company. 

The following is a statement of its assets and Liabilities, and shows 
the actual condition of the Company on the 1 st day of October,! 874 : — 



AMERICAN NATIONAL LIFE AND TRUST CO. 3 

ASSETS. 

Insurance Building, at claimed cost, $269,822 50 

Real Estate set off to Company on execution. 9,604 00 

Loans secured by mortgage. 122.700 00 

Other Loans, 16.82 

Premiums notes on policies in force, 233,910 .".S 

Bonds and Stocks owned. 

Par Valne. Market Value. 

New Haven County Bank stock, $43,850 $61,390 

Merchants National " 2,550 3,100 

German American " 7,000 6,30.) 

Bonds State of New York, 100,000 108.000 

Bonds town of Brighton and accrued in- 
terest thereon, $0,200, 26,200 None. 

$178,790 00 

Cash in bank and office, 10,501 33 

Accrued interest and rents, 23,206 56 

Net uncollected and deferred pi'emiums 45,592 40 

Furniture at appraisal, 12,204 50 

Total, $923,220 71 



Additional items claimed as Assets. 

Capital stock unpaid, $84,700 

Guarantee capital, 75,000 

Agency balances, 1 5, 70< "» 

Virginia Coal Company stock, 20,000 



$202,000 



LIABILITIES. 



Net unpaid losses, $08,708 28 

Due for borrowed money, 37,500 00 

Re-insurance reserve at 4 per cent., 1,228.800 00 

$1,335,008 28 
Excess of Liabilities over Assets, $411,847 57 

Upou this state of facts being found the Company was at once or- 
dered to cease issuing new policies and the payment of dividends. My 
further official duty was not only plain but imperative. The statute 
leaves it to the discretion of the commissioner to proceed against a 
company which is merely insolvent, but where the assets of a company 
are " less in amount than three fourths of the liabilities," "the com- 
missioner shall without delay" proceed against it. 

Application was, therefore, at once made to the court of probate 
for the district of New Haven for the appointment of a trustee to take 
possession of the property of the Company, and wind up its affairs. 



4 SPECIAL REPORT OH THE 

This application was resisted by the Company on the ground that 
the law, in pursuance of ivhich the application was filed, was m 
BtitntionaJ and void. The court, consisting of Judge Bradley <>f the 
Probate Court, assisted by Judge Beardsleyof the Superior Court, af- 
ter a full hearing, found the statu;. institutional, and din 
the Company t<» appear and show cause why the prayer of the appli- 
cation should not l»e granted. 

The Company plead for delay and was given all the delay asked 
for. The hearing in the case was not commenced till Monday. Janu- 
ary I s *. 1875, when Judge Bradley called to his assistance Judge 
Phelps of the Superior Court. The bearing closed on Friday, March 
19. Deducting delays and adjournments it consumed twenty days. 

On the 16th of April the Court issued the following decree : — 

JOHN W. STEDMAN, Insurance Commissi Probate Court 

THE AMERICAS NATIONAL LIFE AND " ***** 

TRUST COMPANY. J Apni lUk,lS'i 

Upon the petition of John W. Stedman, of Norwich, in New London County, 
showing to this Court that he is Insurance Commissioner of this Stale : that the 
American National Life and Trust Co., is a corporation and company chartered 
by this State to grant insurance and make contracts contingent upon lives ; that 
said company has its principal office at New Haven, within said probate district 
of Xew Haven : that the said petitioner, as such Commissioner, has made an ex- 
amination into the financial condition of said Company, an d a valuation of its pel- 
oid assets. &c, according to the statute in such case provided, and especial- 
ly that he has made such examination and valuation lately, during the months of 
October and November, 1>7L and that such examination and valuation have 
now lately been finished ; that it appears from said examination and valuation, the 
said petitioner so averring, that the assets of said Company are less than its lia- 
bilities, and are less in amount than three-fourths of its liabilities : that said as- 
sets amount to not more than f ind that its said liabilities amount to not 
less than $l,350,000,and praying this Court to inquire into the truth of the allega- 
tions in said petition contained, and. upon finding them true, to appoint ■ 
tee to take d of the property of s dd Company, for the pn ified 
in the statute in such case provided, according to the statute in such case provid- 
- by said petition on file, date 1 at New Haven, the 23d day of November. A. 
D. 1874, fully appears. Which petition was filed in this Court on said - d d I 

mber, A. I 1 ad immediately thereafter the respondents therein filed 

in said Court their motion, as on file, to dismiss said petition : and thereupon the 
of said Probate Court called * the Hon. Sidney B. Beards- 

ley, a judge of the Superior Court, in pursuance of the statute in such case made 
and provided: and Baid petition and motion to dismiss were, on said day, con- 
I for hearing to the 24 th day of November, A. 1>. 1874, and again to the 
lay <>f November, 1874, when a t. after full hearing upon 

two Last-mentioned days, <>f said motion to dismiss, rendered judg- 
ment and gave opinion as on file, and ordered that said motion be 
dismiai •neurriug in said judgment, opin- 

ion •■ Whereupon, on said 90th day of November, 1874, said oonrt, 



AMERICAN NATIONAL LIFE AND TRUST CO. b 

upon motion of the petitioner, made an order of notice, as on file, that said peti- 
tion of said Stedman, Insurance Commissioner, be further heard, on th<; 5th 
day of January, A. I). 1875, at which day both parties, petitioner and respondents, 
appeared with their respective counsel, in pursuance of said order of notice, 
which was duly served upon the respondents, as therein required ; and on further 
motion made on said day, the said petition was continued to the 7th day of Jan- 
uary. A. D. 187."), and again, upon motion, to the 18th day of January, A. D. 
1875, at which last-mentioned day the respective parties were at issue upon a 
general denial of the truth of the averments in said petition contained, as on 
file. 

And on said 18th day of January, A. D. 1875, the Judge of said Court of 
Probate, to wit, the Hon. Levi B. Bradley, called to his assistance the Hon. 
James Phelps, a Judge of the Superior Court, in accordance with the statute in 
such case made and provided, the said Beardsley, Judge, theretofore called, 
being no longer able to sit with him in the hearing of said case. And said court 
fully heard said parties, on the 18th, 19th, 20th, 21st, and 22d days of 
January. 1875 ; the 1st, 2d, 3d, 4th and 5th days of February, 1875 ; the 8th, 9th, 
10th, 11th and 12th, days of March, 1875, and the 15th, 16th, 17th, 18th and 19th 
days of March, A. D. 1875. 

And now upon the allegations in said petition, setting forth that the assets of 
said Company are less than its liabilities, and are in amount less than three- 
fourths of its liabilities, the court finds (said Phelps, Judge, concurring) that 
the allegation that such assets are less than three-fourths of the liabilities of 
said Company is untrue ; that the allegation that the assets of said company are 
less than its liabilities is true ; and the court further finds that the deficiency 
is not such that the prayer of the petition should be granted. It is therefore 
ordered and decreed by said court (said Phelps, Judge, concurring) that the said 
petition of the said John W. Stedman, Insurance Commissioner, be, and the 
same hereby is, dismissed. 

Levi B. Bradley, Judge. 

Passed April 12th, A. D. 1875. 

Michael E. Dowstes, Clerk. 



The proceedings were instituted under both the 28th and 29th 
sections of the Act of 18*71, before given, and contained an allegation 
that the assets of the Company were less than its liabilities as well as 
an allegation that they were less than three-fourths of its liabilities. 

The court finds the first allegation to be true, but in the exercise of 
a discretion, claimed to be conferred upon it in the 28th section, de- 
clines to grant the prayer of the application and appoint a Trustee. 
The decree of the court is silent as to the relative amount of the 
assets and liabilities of the Company, and the only guide for determin- 
ing them and the present and prospective condition of the Company- 
is the evidence produced on the trial. 

A brief summary of the facts as shown by the evidence will place 
all this in its true lis;ht. 



B BPECIAL REPORT ON 1 HE 

The liabilities were not a subject of dispute, tbe claim <>f the com- 
missioner being conceded, although counsel in the argument of the 
• claimed that the reserve should be reduced some $19,00 

The addition to the assets, which it was claimed should be made, 
writ' Subscribed Capital unpaid, Guarantee Capital, Brighton Bonds, 
Virginia Coal Stock, and Agency Balai 

si BSCB1BBD CAP1TA1 . 

The claimed original subscriptions to the capital stock amounted to 
$125,000. of this amount $12,000, was subscribed by the Treasurer 
of the Company in trust, and being a subscription of the Company to 
its own capita! stock, was void/and by vote of the Directors was sub- 
sequently vacated. 

Of the remaining subscriptions, §60,000 was subscribed for by 
persons in their own names and the balance was subscribed in tbe 
names of various persons by B. Noyes, and R. F. Lyon, as attorneys. 
The bulk of these subscriptions were wholly unauthorized and void. 
A few lines as a sample of the testimony before the court will eluci- 
date this point with sufficient clearness. 

" C. 8. Maltby testified that he never authorized B. Xoyes to sub 
scribe for fifty shares of the capital stock of the Company for him, or 
to transfer it or to receive it. James Punderford did not, to my 
knowledge, transfer twelve shares to me ; have never received the 
certificates nor authorized any one to receive them for me, never knew 
that Charles L. Chaplain transferred to me three shares ; never au- 
thorized any one to receive the shares for me, and never received them 
myself; never knew that J. W. Benedict transferred two sharef 
me ; never received the certitiates myself nor authorized any one to 
receive them for me." 

" J. 1). Carriugton was called on the question of stock subscripts 
" Mr. Carrington said he was not a stockholder." " He did not know 
that he owned sixty-seven shares purporting to have been transferred 
to him by Jesse W. Benedict ; [by 1>. Noyes attorney.] I admit no 
liability upon them ; knew of no transfer being made to me." 

Some of the capital stork claimed stands t<> day in the names of 
these persons without any pretence that they have accepted the stock 
or ate liable to assessments upon it. 

Subsequently some of this stock was transferred in the same un- 
authorized manner to other persons without their knowledge or as- 
eent, or the knowledge and assent of the persons in whose names the 
original subscriptions were made. A part of this >t<u-k. *3,000, which 
was subscribed in the name of one Benedict, now deceased, by B. 
Noyes, attorney, is considered as vacated also, and by his death the 
claimed capital is reduced t<> *1 10,000. Upon this capital stock not 
one dollar was ever paid to the Company or invested directly or indi- 
rectly in it^ business. Y< : a dividend of 23 per cent was declared 



AMERICAN NATIONAL LIFE AND TRUST CO. 7 

upon it in June, 1873, and credited upon the stock, making a payment 
thereon of $25,300, and reducing the amount apparently due from 
stockholders to 884,700. The only wonder is that the dividend did 
not cover the entire amount of the capital stock, and thus wipe out 
all liability upon it at a blow. Such an act would not have changed 
the character of this transaction at all. 

GUARANTEE CAPITAL. 

The so-called guarantee capital was received from the American 
Mutual Life Insurance Company at the time it turned over its assets 
to this Company, and relieved itself of its liabilities. It was made 
up in 1872, ostensibly to cover a deficiency of $48,678 84, which the 
Insurance Commissioner found existed in the assets of the Company 
at that time. This is a list of the subscriptions to this capital : 

1. B. Noyes, $25,000, secured by mortgage of real estate for $23,- 
000, and 100 shares Fair Haven Water Co. stock. 

2. J. B. Sargent, £5,000, secured by 280 shares Fair Haven Water 
Co. stock, 

3. John B. Robertson, $5,000, secured by Town of Brighton, 111., 
bonds, for $1,500; Morris and Essex R. R. bonds, $1,000; Union 
Pacific R. R. bonds, $1,000; and 70 shares Fair Haven Water Co. 
stock. 

4. N. D. Sperry, $5,000, secured by bonds of the New Haven and 
Derby R. R., par value, $5,000. 

5. J. B. Carrington, $5,000, secured by $10,000 of the bonds of the 
N. H., M. and Willimantic R. R. bonds. 

6. C. P. Smith, $5,000, secured by 200 shares Fair Haven Water 
Co. stock. 

7. Samuel Noyes, $5,000, secured by mortgage. 

8. S. S. Noyes, $5,000, secured by mortgage. 

9. R. F. Lyon, $5,000, secured by mortgage of $2,400 ; 20 shares 
Fair Haven Water Co. stock ; 5 shares Fair Haven and Westville 
horse railroad stock; and bonds of town of Brighton, $1,000. 

10. Willis Bristol, $10,000. 

The Company entered into a contract or agreement with the sub- 
scribers to this guarantee capital, of which the following is a copy : 

New Haven, Makch 15. 1873. 
Wheeeas, The Board of Trustees of the American Mutual Life Insurance Com- 
pany have resolved to establish a Guarantee Capital amounting to SEVENTY- 
FIVE thousand dollars, under the provisions of the charter of said Com- 
pany, and the amendments thereto, and to pay for the use of the same, at 
the rate of six per cent, per annum, and to pay the same as follows : three 
per cent each on the first day of July, and the first day of January in 
each year, for the term of three years. 



8 BPJBC1 \l. REPOR1 o.\ I II l. 

And Wm:nK\s, it is ag re e d , thai aaid Qnaranteo Capital shall n<>t he used or 
retorted to, onleai all the resource! of said Company are exhaust..], and that 
whatever Income is derived from the bonds, stocks «>r mortgages, or other 
seonrities transferred to said Company as a part of said capital, shall he, 
when ooUeoted by ill* 1 Treasnrer of suid Company, paid to the owners 
thereof, and the securities themselves fc red at tht termination oj 

gaid three yeare from tJu \:>th day of December. L872. 

WotD Therefore, We the undersigned do herehy subscribe for such amount of 
said Guarantee Capital, as we respectfully set opposite to our names subject to 
the terms of said charter and this agreement, and hereby agree to transfer to 
said Company, such securities to the amount of our respective subscriptioi. 
shall be approved by the Hoard of Trustees. 

And Further, We hereby consent that said American Mutual Life Insurance 
Company, may transfer our said securities to the American National Life and 
Trust Company, whenever said company shall assume the liabilities of said 
American Mutual Life Insurance Company, as provided in certain special acts 
of the Legislature heretofore passed. Our liability under this subscription fchall 
commence on the I terminate three years from said date 

Received, March 1873, from Mr. , in payrm of of hi* subscription 

of dollars, towards a guarantee capital of seventy-five thousand dollars 

for the American Mutual Life Insurance Company, [of which said subscription 
the above is a true copy,] the following securities : 

to be used as a part of said guarantee capital, according to the tenor of said sub- 
scription, and for no other purpose ; and all obligation on the part of the sub- 
scriber herein named, shall cease at the expiration of three years from the 15th 
day of December, 1872. And said American Mutual Life Insurance Company, 
or their successors agree to pay over to , whatever income or interest that 

may be paid or rea'ized upon the aforesaid securities as fast as the same is re- 
ceived, and six per cent, per annum for the use of the same, viz : on the first 
days of July and January, and to return said securities at the expiration of said 
term of three years ; and during said period, said Company will consent to an 
exchange of security, on depositing with the Treasurer of the Company other 
securities of the required value, acceptable to said Company, 

Treasurer 
American Mutual Life Insurance Company. 

Thus it will be seen that rubbish which would not, in the pockets 
of the subscribers have produced one cent of income, was taken by 
this Company, and held as a guaranty of its ability to discharge its 
obligations to its policy holders, six per cent, per annum interest paid 
upon it, and an absolute agreement made with its owners that it 
should all be returned to them by the 15th day of December, 1875. 
Yet it is claimed that this "capital" should be allowed in full as 
assets of the Company, and not charged against it as a liability.' 

BRIGHTON BONOS. 

These bonds were bought by the Company in 1871, for 75 cents on 
the dollar. Since that time not one dollar in interest has been paid 



AMERICAN NATIONAL LIFE AND TRUST CO. '.» 

upon them, and the amount thereof now due and accrued is more thau 
$6,000. They are without any market value. The town which 
issued them repudiates them, and refuses to pay either principal or 

interest. The question is, what is an 8 per cent, bond worth which 
was bought immediately after its issue for 75 cents on the dollar, has 
been held for four years without any payment of interest, and has 
been repudiated by the maker on the ground that it is fraudulent and 
void ? 

VIRGINIA COAL COMPANY STOCK. 

The Company claims to own $26,600 of this stock, and that it is 
worth at least par. As it does not appear upon its books, and has 
never been considered of value enough to be entered among its 
assets, in any other statement previous to this time, it is important to 
determine where and when it was procured. It is described by one of 
the officers of this Company as the kind of stock "which a person not 
knowing it would not want at any price." It is also said that the act 
of procuring it was a transaction of a few outsiders with Mr. Bristol, 
the Treasurer of the Company. Who were the outsiders ? On the 3d 
day of October, 1866, the father of the President of this Com- 
pany, borrowed of it, or rather of the American Mutual Life Insur 
ance Company, §14,000, and gave his note for the same payable on 
demand, and secured the payment of it by the pledge of $14,000 in 
bonds and $14,000 of the stock of a coal company, which was 
afterwards changed into the present stock. The note has never 
been paid, and is now in the possession of this Company. The 
statute of limitations is a bar to any recovery upon it. The bonds 
have been changed into stock, for which certificates have been issued 
in the name of the Company, and this stock is shown by most abund- 
ant and satisfactory evidence, to be entirely worthless. The loss falls 
upon the policy holders in the Company, whose money was used in 
this transaction without even the knowledge of the Board of Trus- 
tees. 

BALANCE DUK FROM AGENTS. 

Under this head is claimed a quantity of bills receivable, amount- 
ing to §15,705.80, and consisting of notes and accounts long past due, 
or against which a set off is claimed. It is sufficient to show the 
value of these to state that a large portion of them became due from 
1867 to 1872 and have never been paid, and that the makers, residing 
in different, and often in distant States, refuse to pay them, and no 
facts have been disclosed snowing that they are collectible. 

PREMIUM NOTES OX LAPSED POLICIES. 

The foregoing comprise all the assets claimed by the Company not 
included in their statement of Assets and Liabilities, except 



10 SPEC] u. REPORT ON TIIK 

a claim that premium notes on Lapsed policies should be included at 
fifty per cent of their face. Tin-, claim is in the lasl degree absurd 
and groundless, and is worth wasting but a lew words upon. Inas- 
much as no effort has ever been made to collect such notes, although 
they have been \\^i->\ by life companies in this country for thirty 
years, and have accumulated in their vaults bo that they now amount 
to untold millions, it is fairly to be presumed that they are entirely 

worthless. The universal usage which governs these notes and is 
consistent with the invariable practice of both policy holder and 
company is to treat the note as a part of the policy contract. 
valid so lpng as the policy continues in force, and void on 
the lapse of the policy. The policy holder loses his interest in the 
accumulations of the company upon the lapse of the policy, and the 
company loses the premium note given for a part of Ins premiums. 
Every premium note th.it is given is based upon and governed by 
this usage, if this claim is to be allowed, then the older companies 
in the country can safely dissipate all their present accumulations, for 
the premium notes they hold will be alone sufficient to provide a re- 
insurance reserve. 

the company's building. 

The statement in reference to the Assets of this Company would 
not be complete without an allusion to the conflicting claims as to the 
value of the Insurance Building. It is included in the foregoing 
statement at its claimed cost as shown by the account of the builders 
who supervised the work of construction, and by the books of the 
Company. 

The building is erected upon ground leased from the parish of 
Trinity Church, New Haven, for the period of sixty years from Octo- 
ber], 1871, at an annual rental of $8,000 for the first ten years. 
$9,000 for the next ten years, and thereafter for G per cent, upon the 
appraised value of the ground, the annual rent to be never less than 
89,000. At the expiration of the lease the church to take the build- 
ing and pay this Company three-fourths of its then appraised value. 
Evidently the building was as valuable the day it was completed as 
it ever will be. Whatever accretion of value may result from the en- 
largement of the city and the extension of its business, will attach to 
the land, while the deterioration in the building, through decay, 
change of style of architecture, etc., must decrease its value to a com- 
paratively small sura at the termination of the lease. Certainly no 
one would claim, under these circumstances, that the building was 
worth an)' more than it would actually cost to build it to-day 
upon the Bame location. Such cost would be a limitation of the pre- 
sent value but would not determine it. This then is tht problem. 
Given a building which was built in the sixteen months from October, 



AMERICAN NATIONAL LIPE AND TBUST CO. 11 

1871, to February, 1873, and cost, including interest upon the money 
expended during its construction, and the enormous sum of near- 
ly £24,000 for superintendence, the sum of £270,000, what 
would it cost to-day, with materials and labor largely reduced in 
price, to erect the same building? Manifestly a much less sum; and 
this sum is the extent of the possible value of this building. 

To determine its present value deductions should be made from 
this sum for all losses and contingencies, including the difficulty of 
obtaining tenants for it, as shown from the fact that in neither of the 
years from January, 1872, to January, 1875, has a sufficient sum been 
derived from rentals to pay the actual expenses incident to the 
building. 

Taking the year 1874, as an example, the actual expenditures for 
taxes, insurance, fuel, water, grouucl rent and janitor, were 813,775, 
while the actual rents received were only $12,869.51. Thus it will 
be seen that not only is every dollar put into this building absolutely 
dead capital, but the resources of the Company are heavily taxed with 
the maintenance of it, and this after it has bee